I agree with you there nickjohn, it all feels like a moving target! Am sticking with what the proposal says. I think also that there must be a lot of variances from one proposal to the next and so they must get people's contracts mixed up!

Thank you Melanie, i will call tomorrow and post the outcome on here. Hope it might help someone else in the same boat.

Thank you for all your responses, it is really nice to have people write back because this whole process is so heavy on my shoulders and just reading the replies helps me to know what I should be asking and doing. So thank you everyone. I will call them tomorrow and post the outcome.

Hello all, thank you so much for your replies. Our proposal doesn't say it is governed by the iva protocol but does say as per the Insolvency Act 1986. There is also nothing on the summary page either...

Please can some one advise me? This iva has been really hard on me and my boyfriend but we made all our 60 payments on time. We didn't go into arrears. We have no equity in our house and our iva is non protocol compliant with no mention of the 12 month extension. I stopped our payments after the 60t...

how do I know if my IVA is covered by the IVA protocol? Will the proposal have a separate section about the 12 month equity clause?

Thank you for letting me know about the protocol clause but this came into play after we had signed our documentation. Looks like it was created in July 2008.

Thank you for your replies.

Drew please can you explain what you mean by 'protocol compliant'? Surely there would be some form of paperwork I would have to sign. Please note that we did not even told about a potential twelve month extension when we were applying for our IVA.

Please can you let me know what the wording should be on the IVA paperwork about the equity release because our paperwork doesn't mention anything about a 12 month extension.