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i The advice on this page applies to residents in England and Wales only.

Paying your IVA. How and when to make your IVA payments.

It's easy to make your IVA payment. Whether you prefer the simplicity of Direct Debits, or setting up your own standing order, we've got a method for you.

This page lists the easiest ways to pay us and when you need to make your payment by each month. If you have any questions about your payment while you are our IVA client, please give us a call. 

We do not charge you for the advice and support we provide before your IVA is set up. There are fees involved in running your IVA. Our fees follow the industry standard for IVAs and are set by your creditors. You must agree to the level of fees before your IVA is approved.  We will deduct these fees from your monthly payment, so you don’t have to pay any additional costs. 

Direct Debit

This is the easiest way to make your IVA payment. We'll collect your agreed monthly payments on the 1st, 10th or 20th of each month. If we agree to change your payment, we'll amend your Direct Debit, which means that you don't need to contact your bank to make the changes.

If for any reason you're having difficulty making payments, it's important that you contact us immediately. We'll review your situation and discuss the options with you. If you don't make contact or pay the agreed payment into your IVA, your IVA might fail. 

Standing order or bank transfer

You can make a payment using online or telephone banking by contacting your bank.

Your client reference number and surname must be quoted with each payment. If not, your money might not be applied to your IVA.

Personal cheques

Please make cheques payable to “StepChange Voluntary Arrangements/clients account”. Please make sure that your name and reference number is written clearly on the back of the cheque. If not, your payment might not be applied to your IVA.

If you do send us a cheque it can't be post-dated.

What happens if I miss a payment?

A notice of breach will be issued if you miss three or more contributions (not necessarily consecutively) without prior approval and in line with the terms of your IVA.

This gives you a month to repay the arrears or to ask your creditors to agree to a variation to the IVA. If you do not rectify the breach your creditors will be asked if the IVA should be terminated.

Back to your IVA page


Our team is here to help

0800 197 1713 Monday to Friday 9am to 5pm*


Our address

StepChange Voluntary Arrangements

Arena Point

Merrion Way



Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2017