On the fees issue -- 'disbursements' are common to all IVAs across the whole industry. They are not in addition to your normal payments and are, effectively, paid by the creditors at their agreement from money they would have got.
PPI distributions -- you will get a report at the end of the IVA -- a 'final accounting', if you like, which would tell you where the money went -- but, in a nutshell it would be something like: 30 or 40% to the claims company, 15 - 20% to Aperture and the balance distributed, pro rata, to creditors as peer the agreed terms.
Full and Final: The error you have made here is twofold -- First in saying you have been gifted
this amount. A gift is a windfall and a windfall is payable into the IVA. The usual practice is for the donor to offer up a lump sum in full and final payment
of the outstanding payments. They pay this direct to the IP, in due course, once the offer is accepted by creditors. Should the offer be refused the donor retains the money. Secondly --- do not use the term 'settlement' - A settlement is an offer to pay all
outstanding monies, including fees, original debt balances and possible statutory interest.
It is your right to make offers and for the creditors to decide the outcome, not Aperture --- although having the IP on side does go a long way to success. They are ased on the remaining scheduled payments, plus 12 if you are a home owner.
You cannot override Aperture (and they are one of the more difficult firms to deal with generally). You can, if you wish, make a formal complaint to them which you can then escalate to their regulatory body, via the Government Gateway here: https://www.gov.uk/complain-about-insol ... actitioner
. Regulatory bodies will not directly intervene, but can, and do, impose, sometimes quite substantial fines on the individual IPs.