It's your choice - we cannot advise one way or the other.
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
I would read your completion certificate and the original IVA proposal (if you still have it) as this usually explains what will be included in your IVA.