They are very unhelpful and keep repeating the same line. What can I do? Are there regulatory bodies for these people?
will not intervene, only sanction the member. However, 6 months is the usual period written into the agreements -- usually within the "Length of Arrangement" clause ... for a 5 year ( 60 payment) IVA the length of arrangement is usually quoted as 66 months, to include a 6 month admin period, which can also be extended if need be.
The thing to be aware of is the use of the term "up to" ... many firms will quote up to 6 months yet complete within a few weeks -- some of the timescale is outside of their direct control, so they err on the side of caution.