why would you be subject to fees at the end of the term? Whate are the fees for? Surely if you are submitting paper work requested when asked you should not be subject to any fees at the end. Does this mean IVA's are a con because surely the idea is to be out of debt by the end and since the iva company doesn't allow you to save any money, how can you pay a substantial fee at the end of the term? And if you don't pay the fee in one lump sum are we saying that you are not discharged until the fee is paid? this could mean the iva term lasts for years after the 5/6 years!!!
Are you confusing "fees" with contributions required at the end of the IVA towards equity release from your property? Surely this was fully explained and discussed with you by your IP at the time you agreed to propose the IVA, Lynsey?
