An IP can increase the term of an IVA at his own discretion. In and around the 4th year of an IVA the IP will look to release some of the equity contained within a property to give to the creditors. They would usually ask the client to try and re-mortgage their property up to a loan/value of 85%. Should the client be unable to re-mortgage then the IP may decide to extend the term of the IVA. This could potentially be what has happened in this instance.
Once all expenses have been taken into consideration the IP will consider all the income coming into a household, except certain non means tested benefits such as DLA as being available towards the cost of an IVA.
Please seek further free money advice.
See 'Leading Debt Advisors' on the hompeage for free advice.

The first thing to say is that your IP cannot unilaterally decide to change the terms of your proposal. Anything they are asking you to do must have been agreed either at your meeting of creditors when your IVA passed or at a subsequent variation.

On the length of the IVA, it maybe that you have a modification stating that you must achieve a minimum dividend for your creditors or that you must make a further 12 months of payments if you are unable to remortgage your property. You need to read your proposal & speak to your IP about the reasons for the extension.

On the point about being asked to pay more than you can afford, it is the job of the IP to calculate what you can afford to repay, i.e. what you have left over to offer to your creditors after you’re household essential living costs have been accounted for. If you feel that they are asking for more than you can realistically afford then it might be there’s been a misunderstanding. Please speak to them and find out where the difference is coming from.

On your final point about income, all income must be disclosed and will be taken into account.

This question was answered by Debt Advice Foundation, an independent UK debt advice charity. If you're considering entering into an IVA or need further help with your IVA, Debt Advice Foundation provides a free, confidential helpline and can advise you and on whether you qualify. Click here to find out more.

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