I wish to pay my Iva off early, a friend has offered me some money to do this but I have a joint mortgage with my estranged husband, would this be a issue
The joint mortgage won't be a problem, just speak to your IP and tell them you wish to make a full and final offer.How long have you been in your IVA and how much do you still owe on it.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Assuming that you are likely to have more than £5k in your share of equity, when the time comes, you will need to factor in an extra 12 months payments into your offer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014