Thanks Melanie, I totally agree and in fact pointed out to my IP that ethically the creditors had a right to know what had happened. I am just a little concerned that my IP is more worried about his reputation being damaged. I did say mistakes happen and it can be sorted out. Do you think the option...

Further to above my IP has suggested because I have some equity in my house it would be benifical to raise money on my mortgage as a full and final payment. A quick look at this shows i would save money on what I pay now!

Do you think they are trying to get rid of the problem?

I started my IVA two years ago. Circumstances changed I contacted the IVA aranger and they agreed to lower payments which I made. At first review they went up slightly. Now this review they have stated that the person who agreed my lower payment originally had no right to do so and therefore my IVA ...