I agree with foggy's advice.

Keep all correspondence in writing.

If you are still unsatisfied escalate the complaint here:

https://www.gov.uk/complain-about-insol ... actitioner

My comments are as follows: 1. You could challenge the validity of the IVA and as a result it could potentially be voided. You may need the help of a specialist solicitor for this. I can recommend one but you will have to pay their costs so you need to weigh up whether this will be beneficial to you...

Slightly off on a tangent but if your parents have some funds to help and you have some savings perhaps you could help your partner with a full and final offer to end his IVA early? He can then start saving any surplus income.

Once your IVA is complete and it has been 6 years since you entered it so I wouldn't worry about it until after your IVA has successfully finished.

I see- the IP is ultimately responsible so any failings by their staff will fall to them.

Good news, well done.

Yes every IP has to be licensed. There are a few different governing bodies - the main ones are the ICAEW and IPA. Look at your paperwork or your IPs website to see who they are licensed with. We are also bound to follow an ethical code. If you are still dissatisfied you need to follow your IP's com...

I'm afraid you do need to remember that the IPs do not act for you - they merely Supervise the IVA and that you stick to the terms of your IVA. They do not have discretion as regards a variation - if you put forward a variation they have to put it to creditors, however you need to give them sufficie...

Have a look at these short videos which might help explain things:

https://www.youtube.com/watch?v=Nv9YGWYLps8

https://www.youtube.com/watch?v=h4dozq9aGak&t=52s

If they don't have his contact details and he hasn't lodged a claim it won't affect your closure as they will advertise the dividend and give a deadline, after which he will be omitted from being able to take part in the dividend.

Check your original proposals, terms and any modifications and they will likely have the equity clause in there. This clause enables you to keep your home in an IVA but creditors to get something back for it, rather than you potentially losing it through the alternative of Bankruptcy. Watch my short...

The debtors will be bound by the terms they agreed to. IPs will be sympathetic and no doubt help with payment holidays or variations where the terms permit can but otherwise their hands will be tied.

In this particular case OP should note that variations meetings can only be adjourned for 14 days.

This should have been declared so I recommend you tell your IP and be prepared to pay the monies over.

As I suggested before your nephew should really get some security for this. It's very risky for him.

Assuming you can convince the creditors/Supervisor that you don't have sufficient equity for an extension to apply then I would say £20k is very generous. I would even suggest you might want to reduce it a little, if the balance to pay is c£21k. Your nephew will probably need to provide a copy of th...