Thank you for your reply - it helps explain things and gives us something to aim for! It is very interesting to read your guidance regarding 24 months but I know we won't be in a position to do anything by then anyway... 30 months does seem to fit with what is happening with my family and when we ma...

I am 1yr into an IVA agreement and have heard about a possibility of paying off the IVA early (before the year 4 anniversary). I cannot seem to find any information to help me with this - can you help? A family member may be willing to help financially and we could raise enough to clear the total ag...