www.iva.co.uk

What is the typical repayment on a £6400 debt if paid off 10 months early. paying £102.00 per month over 5 years

With 10 months left the creditors are expecting a further £1020 from you. It takes a few months to sort out a F&F offer, so they are not going to gain much in time or make any admin savings. You are also going to add around £300 to the fees for a meeting. I would think they would be looking to get the whole amount outstanding.

Personally speaking I would not bother with only 10 months left. It will take a couple of months to set up and then be approved and your credit record will still be shot until your year anniversary.