thank you all for your help and support
thanks for removing email

Hi Shaun

My email is *removed by Foggy, but passed on to Shaun*

these people are suppose to help us
it seems they are just exploiting us
there is nothing we can do though
or you get threatened with breach of contract

I think it was select.
I had no direct contact with them

Yes
they wanted a settlement statement
no communication of them
only because I rang them
Aperture is the IVA provider

they didn't even do a valuation. I had to do my final year income and expenditure and send it off I have portal were I can follow my IVA and payments it stated my final payment was 24th October 2019 I was waiting for the review to finish. I then looked on my portal after not hearing anything for a f...

This is very confusing.
sorry
if there is not enough equity the IVA should cancel.
Is that correct.
So if there is enough equity why don't they take the money that way rather than the 6th year
does that make sense or am I not understanding this

there is a clause in the IVA After 5 years they can try and release any equity in the house I am not sure if or how much there is . I just got a phone call saying it was going into the 6th year they have also received 5k in PPI I have paid 18k on a 24k debt I don't even think anything will get wrote...

I have being in an IVA for 5 years
the IVA tried to releases equity in my house ,but apparently there isn't enough so I have entered the 6th year
my question is 1 after the 6th year is it finished and 2 can the final year be paid of quicker if you can get the funds