Thanks for your advice Melanie and all others that contributed

Thanks, whilst I appreciate your help this still doesnt answer my question. I clarification on creditors who do not submit, are they able to at any time throughout the rest of my term. And whilst I agree that no one will do anything for free now adays if those creditors dont apply where is the money...

Thanks Melanie

So the situation is that every annual review I have the IP will give my creditors 90 days to submit there claims? Once the 90 days is up they cannot resubmit for monies until the IP invites them again at the next review?

Its not so much that I want it to end early, its the fact that if I'm not paying my creditors then the money Im paying is just going to a company that is making profit from it and if thats the case does it not kind of defeat the whole objective?

Im not sure to be honest. They said it would be based on a pence per pound figure but I wasnt sure what that figure was,whether that be a .0 pence per pound I really dont know. The end conclusion Im after really is, if my creditors do not submit a claim is there anyway whatsoever that I can get out ...

Thats excatly what I'm saying. Do they submit a notice at every review? Also I asked for a final settlement figure and the figure I got back was far bigger than my original debt. I was under the assumption I would have to pay back a smaller amount that would appease the creditors requirements?

I have been advised by my IVA company that only two creditors have applied for me to repay them. I've been in my IVA for nearly two years now, can the other creditors apply for monies further into the term? If not, do I have to keep paying for another 3 years?