Many thanks for your response; it’s much appreciated and certainly helpful to get some sort of guideline as I was totally in the dark. Whatever the outcome, you have improved my confidence in starting the conversation. Cheers.

<t>I have £3825 left to pay on my IVA. My original end date was Sept 22 but as I have some arrears, I am advised this will extend to Mar 23. The above figure includes arrears.<br/> I lost my job 3 years ago due to ill health and am awaiting spinal surgery. My income dropped significantly and I am no...