Was your IVA just for 5 years or did you have an equity release clause? If it was just for five years I imagine you would close to making your final payment now. Did you ask for a settlement, which means you pay all of your debts plus fees, or did you offer a full and final which means you pay sign...

Ihave an IVA with creditfix, i have had it for 5 years, my original debt was £46,000 ihave paid £7000 but am now in a position to pay off the whole debt but they want over £52000 lus the£7000 ihave already paid are they allowed todo this