www.iva.co.uk

Hi just starting yr 6 of iva been hell on earth but not quitting now. My fear is can payplan ask for a 7th year?

Are you in an extension year for equity, or was the IVA set at 6 years from the start ? If you are in your equity year they should not be able to unless there was a minimum dividend to be met ( rare these days).
If you were in a 6 year term from the start, it could be extended by a further year in lieu of equity, if you are a homeowner with more than £5k equity.

Agree with Foggy - what was your original term.

What was your original term and as there a property equity clause in there about extending for a year?

This should answer your question.

Most standard terms are for 5 years plus 1 year extra if the equitable interest for the debtor is over £5k.

If NRAM was a creditor they usually insist on 6 year IVAs (plus the extension if relevant)