Hi and welcome, I feel the best advice I can give you is to speak to 2 if not 3 professionals to gain all important impartial advice. Lots of companies don't ask for payments up front.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
The figures look workable, but, as Lesley says, you really need to speak to a couple of companies to see who you feel happy with. Most will not ask for upfront fees.
There is a link to firms over on the right in the Resources section, or have a wander around the forum for ideas.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014