Why are they saying it could be another year ? Do you own your home ? If so this could be because equity cannot be released and should have been explained in detail at the beginning.
Who are you with ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
All matters relating to your IVA have to be included in the IVA proposal that you would have signed at the time you entered into your IVA, Andrea.
IP's cannot change the terms without your, and creditor, agreement. It is usual to have to extend the term of an IVA, if you are a homeowner who has been unable to release equity in a property.