Our IP has attempted to justify their decisions to extend mine and my wife’s IVA’s. We are still unsure that their reasoning is correct. They agree that my wife’s IVA was due to end in November last year. They agree her share in the equity is £14,827 and the equity to creditors is quoted at £6,104 w...

Thanks NTF, I will be in touch in due course however for the benefit of the forum and the people that have taken the time to reply to my post it would be good if you could give a genaral explanation here to your thinking behind this.

I have posted a few times previous on this but I have just had a reply back from my IP which concerns me do is like a few opinions please. My wife and I thought we were due to finish our IVA in month 60 last year. We went through the process of trying to remortgage. Our total equity was 29,654 pound...

If this is the case then technically, my wife's should have ended last year as we had less than 5000 equity in the house last year at the 5 year equity review stage.
Am I entitled to ask the IP for a file review as I have no faith in NTF at the moment?

Hi, Me and my wife are approaching month 66 of a 72 month IVA. We only discovered last year that some additional modifications (extra 12 months from Northern Rock) had been added after the creditors meeting. This was also missed by NTF as we went through the whole equity release process and agreed t...

It's a joint IVA but the modifications from a 5 to 6 year IVA were only on my report, my wife's has some modifications on fees but nothing else? Will this make a difference?

I'm currently in month 66 of a 72 month IVA. The additional 12 months was added at Northern Rocks request but missed when I signed the agreement. NTF missed this as well and made me go through the whole equity release procedure last year only to write to me after I'd agreed a 12 month extension to h...