my brief video on complaints is here:

https://youtu.be/l1wqUbNeW00

I agree with Foggys' advice - taken pension advice and consider a variation offer.

Most first are digital these days. As Foggy says a physical meeting is no longer a requirement.

Saul you have replied to a post from 2013!

Who instructed Bailiffs? That does not sound right at all.

The joint guarantor can unfortunately be held responsible for the full debt. If they pay it off they can then claim in the IVA as a subrogated creditor and claim for any dividends.

Follow Foggy's advice and figures and challenge them.

Check your proposals - the onus was on you to provide them with the info at month 54.

It might be worth you obtaining your own valuation to challenge theirs, if you think you can show you have less than £5k (standard) minimum amount of interest.

The property possibly vests in the IVA now under the windfall clause.

Who is in an IVA? Who has received the windfall?

Get the variation approved first.

An offer of maybe £6k might be considered seriously.

Are they solely owned by you?

It might take up to 6 months to get his completion certificate and up to 3 months for his record to clear.

Similar query and responses here: https://www.iva.co.uk/forum/am-i-allowed-to-walk-away-from-my-iva-t88935 you shouldn't be worrying about the costs really, unless you are paying 100p/£ dividend to creditors. The creditors approve and absorb the IP costs. If they are charging more than stated there ...

Did your proposal promise a minimum dividend?

It depends where the savings are coming from?