www.iva.co.uk

Hi I entered an iva this year but have taken early retirement do I have to pay over my lump sum

Possibly -- unless pensions and proceeds have been specifically excluded in your proposal. It will be regarded as a windfall.
How do you intend to service your ongoing IVA payments on a reduced income ?

It is likely that all of the lump sum will be payable into the IVA. They will then work out what remains owing.