Unfortunately Stepchange are not prepared to go to my creditors and ask for full and final based on what I’ve already paid- I’m about £600 over what we initially thought I’d pay. They said that it’s the number of contributions not the amount collected that matters and creditors are currently loathe ...

That’s encouraging, thanks Foggy

Ok thanks, are they more likely to accept that if I’ve already paid in more than was initially agreed?
My monthly payments have increased over the years so I’m fairly certain I have paid in more than the minimum agreed already.

Hi all, I am currently in an IVA with Stepchange which is due to finish in February 2022 but I’ve just been made redundant. My redundancy pay is only 6 weeks salary (statutory amount) so nothing to pay into my IVA. I’ve been looking for work but haven’t found any as of yet- I’m a lone parent with 2 ...