hi,i am currently in a iva with accuma i have 3 years to go out of 5 ,but my mum said she will give me the money to pay it off in one sum but she has only £6000 to give me ,and i owe teh iva in total 44,000 but have paid 5000 in the last 2 years so they will be getting back in total 11,000 do you th...