Thanks both. Melanie, does that mean all I've paid in ,with expenses deducted, may count for very little and I could be back where I started nearly 4 years ago.

I currently pay £400 p/m into an IVA. Total owing was £65k. I have about 18 months to go and face the possibility of losing half my income. I have no assets. A member of staff at my IP says the creditors MAY decide that I've paid enough already, declare me bankrupt or ask for a temporary suspension....