My IVA runs for another 2.5yrs and I was wondering how much it would cost to settle early as my parents my help, I own my own home but have no equity in it plus have a secured loan which runs until a few years after my iva is due to finish but is not included within my iva, would a final settlement ...

No its not a plant as my husband earns overtime I send G/T his wages slips on a monthly basis and then they advise within a few days what the surplus we owe is. I do what Michael mentions above on a monthly basis.

I am with Grant Thornton, does anyone know if they back date? Really appreciate all your responses it helps a lot.

Thanks for the responses. I thought that might be the case will I it be back dated then, i.e my payments will increase based on a pay rise and be backdated to when the pay rise started?

Grant Thornton, Gillian Downing

I am about 6mths into my IVA and send off my husbands pay slips to my IP every month as he works overtime, I am slightly worried now as I think my IP may have only been taking extra payments for his overtime but he also had a payrise, however this is shown on payslips. Shall I just leave it as is un...