I guess just having it hanging over me. Even if it’s another year till it drops off completely, I’ll feel like it’s not such a burden anymore. It was the right thing at the time but I could gain in a little headway into rebuilding my credit plus not being bound by the terms anymore. Thank you for yo...

Thank you , am planning to email IP over weekend. At least I’m in the right ball park. Wanted to get the ball rolling ASAP, but didn’t want to offer anything too low. Your advice is very welcome. Thank you!

<t>Hello there. I entered into an IVA in 2017, it was agreed 5 years. My first year I paid £252 per month. I changed jobs with an increase in pay and for the last 3 years I paid 382 per month, then it has stayed at 350 ish. I’m a few months or so away from entering final 12 mths. My parents are will...