Thank you all for your views. I would definately speak to my IP. If they do consider to reduce my payments would that mean they would increase the time to more than 5 years to cover the remaining.

I am in an IVA and it has been over 2 years now and am finding it difficult to make the payments due to the rise of bills etc.I did try to sell my house and had it on the market for over 6 months but unfortunately, the offers that came through were below what we paid for buying the house. I can't se...