hi we are into our last year of our IVA,ourlast payment should be on the 31oct 2015,we are now being told by creditfix who we have it with,there could be upto another years payments once our payments have finished,we understood that they was taking payments out of what we paid each month,obviously this is now not going to happen,more to the point why can it happen,and should i make the payments for another year,be pleased to hear your views on this many thnx