So really then, she could sign it and there will be no real impact to her? Might be less stressful to her.

If she signs, and then say in 12 months time the iva fails (for any reason) will the fee increase leave her in a worse position than she would have been at 15%? As I understand it means that she will have paid less off her debts. Would she then owe anything extra to CF too? Equally she will have pai...

But if they are saying that's what they will do, I need a bit more of a lawful argument... I'm going to call again today and make it clear I will fight this for her but 1) I need to know if legally they can do this (which they seem to think they can) and 2) what the potential impact is in future if ...

I should add - if I could be 100% certain that her agreeing to this increase would definitely not have a negative impact on her IVA at all - no extension or no extra to pay if the IVA failed - I wouldn't mind so much. But I myself am not overly certain about it or the potential impact. All they repe...

I asked 'what if my Mum doesn't sign to agree to these changes?' and was told 'she will be in breach of her IVA and it will fail'. I then said 'well if the creditors don't agree then it just stays at 15%, that seems a bit unfair that they have a choice but my Mum doesn't'. They would not/could not g...

My Mum's IVA has been transferred from Knightsbridge to Creditfix. They are asking for her to sign agreement to a change in the terms, one of which is an increase in supervisors fees from 15% to 23%. They have advised if she does not sign they will fail the IVA. Are they allowed to do this and is it...