Thank you all. That is very useful for me indeed.

They are gifting me £5,000 to clear what would amount to £6,280 left. Does that sound like an acceptable offer from experience?

Hello, I have now contacted my IVA representative and they have sent forms to my parents, who will be gifting me the funds for a full and final offer. They have been advised to seek advice from a solicitor. I am not sure they are needing to incur extra costs. Is this just StepChange covering themsel...

Many thanks. That's very useful. Much appreciated.

Thank you for that. It was a 6 year agreement from the start. This was due to the fact that I gave more than 50% of my divorce settlement in my wife's favour due to her needing to rehouse her and my daughter. I thought it was the right thing to do, but not in the eyes of the creditors. Do you think ...

Can I ask the same question for my situation please?
Currently pay £131 per month with 4 years left.
Initially paid £153 pm for 2 years until the reduction.
Have paid in (including bonus payments) £6,990 in first 2 years.
I rent.
Many thanks