If I were acting for you I would definately put forward an offer of full and final settlement based on the payments you have made into the IVA to date. I have had to do these for a few of my clients recently, and none of them have been turned down. It is not your fault that you are in the position, and you definately should not be penalised for it as a result. Ask to speak directly to your IP and see how she feels about making such offer - and don't be afraid of her, she will not bite!!
I hope Mels advice above gives you the confidence to make the call Michelle.
This is your life and you need to get something sorted to stop the worry and stress. I would definitely speak to them asap and ask them to put forward a variation to conclude the IVA.
Good luck Michelle - pick up that phone and have a chat to your IP.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
ok so phoned my ip today not available nor her rep but talked to someone else about it who was very nice for a change, told her everything and asked for my ip to put a final settelment figure in of funds paid to date . she wants a new expenditier form morgage letters and any other bills and bank satements ect so here hoping dont know how long it will take so dont know what to do now if havent heard anything from them by the end of the month cant afford morgage and iva payment so if it hasent been sorted out by then do i pay my iva cause cant miss my morgage payment
