Hi Melanie, thanks for your responce. I never queried the fees as at the time i was distracted by family issues. I believed that the 18k would go towards the total amount. The payments i'm not struggling to make, however I wish to conclude this IVA and get on with my life. I have received inthertenc...

Hi Guys, I've just found this site, which I think is a great forum to discuss and feel apart of something, that would normally make us feel so alone. Anyway, i've been looking through my IVA agreement and relised how little the creditors are actually receiving, my initial debt was 31k and IVA agreed...