Thank you so much everyone

Hubby has just been on the phone with GT and they have agreed to stop the IVA payments from now until he receives his redundancy pay in March! And then we have to pay over 37,910 for 100p in the pound. I cant tell you how good it feels to be able to pay back our debts in full!
Just cancelled the standing order

feels strange not to see it there after 48 payments

Hubby has even been offered a job doing the same as he does now by the civi firm that work alongside the RAF boys! Granted it is for 10,000 below what he gets now but I will hopefully be able to make up the shortfall by returning to work. So fingers crossed things are looking positive.
For those of you who are continuing down the road or those who are just setting off, just keep heading in the direction you are and it will be over before you know it. The last 4 years have passed quicker than anticipated and have not been as bad as expected.
We will never forget the help we received from this forum and hope to be able to repay some of what has been given to us by popping in from time to time to offer words of encouragement if nothing else.
Thank you so much everyone, off now to bounce..... xxx