Hi Melanie
It's because half the time I'm away with the fairies! it is actually 72 months. On a humorous note math is clearly not my strength.

On another note I have been reading other peoples thoughts. Is it possible to change the company whom you have made the original IVA agreement with?
Thanks

Hi Everyone Your responses have really boosted me! I'm not a home owner, so no equity . I desperate not to extent the term as I can't wait for the light you talk off. I do firmly believe I made the right choice but just feel a little battered as I like many others have just lost WFTC and had overpay...

Hello
I'm finding the whole IVA process very difficult, I 'sold my soul' yet again! When looking at the forum it appears that everyone has a 5 year agreement. At setup I was told my agreement would need to be for a term of 70 months. How common is this?

Many thanks A