As you know, there were various amendments brought in for IVAs during the pandemic. Our good friends over at Debt Camel have published a great and easy to understand summary of how these have been extended, in reduced firm, towards the end of the year: https://debtcamel.co.uk/coronavirus-iva ... ent-break/
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk