Usually the terms and conditions of your IVA will be worded so that you will have to release as much as you can to your creditors, so if you can release more than the expected amount then this would likely need to go to your creditors also.
If your IVA terms and conditions state you only need to release a finite amount and there is a possibility you can release more, I would assume that you could take the overflow for yourself but you should contact your IP and discuss this with them to be sure.
Best Regards
Oliver
Thomas Charles and Co Ltd.
Experts in personal debt solutions.
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