One last thing on this..NTF are saying that my IVA is protocol compliant as per the standard conditions set in Feb 2008, which were the most recent ones when I took out my IVA. In these standard conditions it says I must inform the supervisor at any time that I am in receipt of any additional income...

Thanks Michael, that would be useful.
A full file review by the IP's will put my mind at rest. NTF don't fill me with a lot of confidence , they usually comment of threads they are mentioned in but seem to have stayed out of this one!

We currently pay nearly 15% of our monthly income into the IVA. The areeas have occurred as I had been reading the wrong 'standard conditions' for reporting increase of earnings and as my pay rise only equated to 7% of my normal take home pay, I assumed as it was under the 10% in the standard condit...

They didn't give us a reason but yes, it looks to have been added after the initial creditors meeting. Our initial agreement that we went through with Tudor Kirk states 60 months. We were then sent the chairmanship report to sign which contained the modification, but were never told it was in there....

Also..to add, the modifications say we are to look to remortgage at month 66 but NTF made us do it on month 54.
They are also asking me to re-do all my PPI enquiries due to this modification which were done and reported back to NTF 12 months ago.
All a complete mess.

Thanks Foggy, NTF have said that the 12 months increase for the equity release will kick in after the additional 12 months 'modification' they stuck on, hence the 24 months extra to what I initialy set out for. The arrogant representative from NTF reminded me that I am still paying back a lot less t...

I am currently in month 63 of which I thought was supposed to be a 60 month arrangement, however, NTF added a modification that admittedly I didn't notice at the time for an additional 12 months. NTF also appeared to have forgot about this as last summer, I went through the whole equity release proc...