Thanks for your help Andy. I suspected that after 5 years of paying on time they would probably just wait for the conclusion of the IVA as they know they will get paid in full anyway. I am expacting about £2500 in overtime and a bonus this year so I might make them the offer to save that...............

Hi, I am in the final year of a 6 year IVA and want to know if I am likely to get an early settlement. I was lucky enough to have no property valuation/equity release clause, but my IP negotiated an xtra year at £350 per month to pay a dividend in lieu of the equity release to the creditors.(I suspe...