www.iva.co.uk

I'm just 10mths into my IVA. My monthly payment was £118/pm over 60thms. Just 5mths into the agreement, i complained about increase in my monthly outgoing and my payment was reduced to £101/pm.
My IP successfully won £1,280 on my PPI and i'm planning to ask two of my cousins to help me pay full and final payment of £3,500 but i'm not sure if the creditors will accept it.
household expences increasing and IVA payment is not reducing with a new baby in the family, the burden just seems to much.
can anyone advice on what to do and if the offer will be accepted before taking it on.

The best way of getting a full and final offer accepted is to provide creditors with the equivalent of your outstanding contributions - so in your case around £5,050. I personally think that £3,500 will be too low, but I guess there is no harm in trying if your IP is up for it.