Speak to your IP and explain .... you might be able to renegotiate payments at a reduced level or make a full and final offer based on payments made to date.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/