A
female
age
41-50,
anonymous
writes:im very worried as im in an iva which ive been paying 3 years and in july missed a payment because my sisters had extreme cancer and her work stopped her pay so i helped her out. i didnt know what else to do but now the iva place has emailed me asking for a reason for the missed payment and im scared they wont accept my reason. i will make extra payments to clear it but i didnt let them know in the first place im so scared im in tears im so worried :( Reply to this Question
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female
reader, anonymous, writes (13 August 2011): Really sorry about your sisters but please stop worrying about the missed payment. Give them a ring and explain what as happened and offer them some sort of repayment to make it up. It will be fine, you have had a lot on recently and I am sure they will understand but please do not be scared to call them. They will be happy if you are going to pay it. Like you say its one payment in 3 years so they cannot hold this against you. I have missed payments before and they have just increased my other payments by a few pounds to make up for it. Good luck, you will be fine :)
A
male
reader, Ronnie70 +, writes (13 August 2011):
 Further to my last reply the following website gives current rates:
http://msangusbranch.co.uk/benefit_rates_poster_2011_2012.pdf
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A
male
reader, Ronnie70 +, writes (13 August 2011):
I doubt any of the previous answerers know what an IVA is, but don't worry - it's not a hanging offence. Whatever you do don't seek the 'help' offered by all those adverts about debt management, which will cost you a fortune for no actual benefit.
The Citizens' Advice Bureau will advise you on the best course of action if you're unable to meet any payments.
If your sister has terminal cancer she can immediately claim Disability Living Allowance under what's known as the 'Special Rules', at the higher rate for both the mobility and care components, currently totalling around £125 per week. Anyone looking after your sister for more than 35 hours per week can also claim Carers' Allowance for themselves, currently about £55 per week, provided that any other income is below a certain level.
Google the names of the allowances and you'll get the full details from the government's website.
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A
female
reader, cheers  +, writes (13 August 2011):
 Hi.Sad to hear about your sister.How's she now? still under treatment?what cancer?
Actually I'm Breast cancer survivor,under remission for 3yrs. I did went thru chemo& radiotherapy and now yearly check up. I can see, you LOVE your sister very much. Talk to her often(mind not wondering nowhere) and always keep her mindset HAPPY & PEACEFUL. She really need your support mentally& physically. She really LUCKY to hv you as a supportive& Loving person
Rgrd late payment,Pls arrange& meet them personally(reveal what's cause the delay).Ask SPECIAl payment arrangement,cos this's not a normal case. Pls highlight that you always hv clean payment,only this time.(it's a plus point). Be daring and I believe you can persuade them! Keep me updated
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A
female
reader, So_Very_Confused  +, writes (13 August 2011):
 tell them the truth! tell them when you will make it up. do it right away... it will be ok...
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A
female
reader, YouWish +, writes (13 August 2011):
 Okay, as in any missed payment, you must communicate early and often. Like you said -- you haven't missed a payment in 3 years, so call them and make an arrangement with them right away!
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A
female
reader, maverick494 +, writes (13 August 2011):
Just tell them the truth. Not everyone is heartless and cynical, you know. Besides, since you're going to compensate for the gap there really is no problem. Just tell them the truth, you'll be fine. Great that you were there for your sister when it matters.
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