Misunderstanding then I think. The OP said that she was advised of an extra year due last October following her final payment in September hence me saying that if she had been putting these payments aside that she could make that payment in one go then just make 2 further monthly payments. Her IP is chasing her now for non payment over those months I assume.
I guess I did mean accept their appointment as IP of someone they believed had simply signed a proposal without understanding it. That doesn't sound ethical to me.
I have just forwarded my F&F offer and this has been sent out to my creditors. My IP done an online valuation of my property and was in accurate by some margin. I got an estate agent to value my house which showed there was little or no equity available and the IP accepted this.
If accepted by creditors apart from sending th e money to them is there anything else I would have to do other than wait! (ie another yearly review etc)
You might have to do a final review, if one falls due before the CC is issued. We did after our F&F, but it was a paper exercise as we had all but done one for the variation meeting and our IP merely reported to creditors that it would be the same!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
