Hi last July I made what I believed was my last IVA payment, they asked for a mortgage redemption certificate which I gave them in December 2020, I have just received an email today stating that I have equity in my house therefore apparently I have commence payments in January, this will be the 8th ...

I was with debt free direct, and I think they sold out or rebranded as aperture. I am desperate to be free, but I’m absolutely petrified to email or call them Incase they say I still have years to go or that they want to increase my payments, I already pay £458 pcm

I have been in an Iva since 2013, how much longer will I be trapped in this cycle? I did have a short period where due to loss of job I couldn’t pay.