The difficulties came about when his company struggled with declining income which meant Robert frequently couldn’t take a salary. This company was eventually wound up.

In an attempt to resolve his income shortfall, Robert accepted a job that came with a reduced salary but provided regular monthly income. He found it hard to get on far less money and had to resort to credit cards to meet his outgoings and debt payments.

Monthly Contributions for the IVA were:
£179 for 7 months
£421 for 65 months