The modification was rushed through at the end. I guess it’s the concession the Supervisor had to make to the creditors to get the IVA approved. The Supervisor was supposed to send me the relevant form for the charge but that never happened. 2 years down the line, they have realised their error and ...

My IP Supervisor is threatening to issue a Notice of Breach, 2 years into my IVA. This is because I have not agreed to a modification on my IVA that allows the IP to put a charge on my property with the view to re-mortgaging at the end of year 4 to release any possible equity. I have kept up my agre...