It may be possible that it is excluded but that after repaid what you were repaying is then reflected in increased payments to the IVA.
Only your IVA company can tell you whether it can be excluded.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
This can be addressed as creditors realise that including the employer could cause problems. If it is a season ticket loan we normally mention it and exclude it as this saves creditors money in the long run. If you included your employer you would not get a new loan next year and would then have to buy monthly tickets.
