Cheers Declan, I'll be in touch as soon as I get a minute to myself.

I'll speak to them, thanks to you all for your time.

I am with debt free direct, I have checked again and there is no mention of a 6th year anywhere, my current LTV is about 80% if I had to move companys my early settlement charge would push it up to around 86%. to be honnest it is the fact that it states they can pretty much choose who I have to have...

My paperwork states that at the end of the 4th year I must try to release any equity in my home if I am unsussessful with my current provider then my supervisor can try with another company, if this is unsussessful then the IVA will run for another 12 months (which will take it up to 5 years) at whi...

P.s what do you mean by protocol compliant?

Hi Guys, my origional proposal does not mention any amount of equity has to be released, it states that the IVA will run for 5 years but at the end of the 4th year I have to try my best to release any equity in the house. If I am unsussessful in my aplication to release the equity then the IVA will ...

Hi All, I am getting close to the end of my 4th year, as I own my own home I am expecting to have to remorgage, I have worked out (to the best of my ability) that by the end of the 4th year I will have paid back about 44% of the origional debt, according to my agreement the creditors agreed to recei...