I too have bitten the bullet and am trying the early exit option with Perinta. Just a couple of weeks before the variation meeting so I have everything crossed. It will mean 5 extra payments from me. But I'm expecting a fair bit of o/t that'd I'd like to keep. So it will work out around the same duration left if I pay this in. My final straw was phoning up the IP firm to notify them of overtime. I told them my normal monthly salary was X but I had earned Y. I had worked out after the 10% I get to keep that their half of the difference was 44 pence. However part of the overtime was a mileage allowance paid to cover the additional mileage accrued when doing the overtime. I had to scan my bank statement and latest pay statement so they could make a decision as to whether I should pay the 44p.
I scanned and sent the requested documents, which isn't fun on an iPad and phoned Perinta immediately after to arrange the Early exit loan. It's been 21 days now and I still don't know whether I dare spend the 44 pence.
I know it will cost me more but it will be worth it for me to be no longer micro-managed.
I too, like the original poster, have learnt some valuable lessons and I have no doubt that my IVA as difficult as it has been, has got me out of the dark and smelly. But 44p really? Enough was enough. Two more weeks and I may just blow that 44p on the wife's anniversary present

So wish us luck ! Oh and congratulations Rickne.