I want to get out of my IVA. I have only been in the IVA for a year but feel I was in a very low place last year and was pushed into it by an amazing call centre member. I want to deal with my creditors by myself. Is this possible to do without the IP making me bankrupt??

My IP is charging in excess of £3000 to settle my IVA. Which means my initial debt of a year ago has increased from £15,000 to £20,000. How is this legal? And if I cancel my IVA because of the (loan shark like) behaviour will I have to pay any fees to the IP?