The total amount of dept is £31000 and they won’t even give me a rough price for a full and final
Full and final offers (It is important that you do not use the term "settlement") are based on the number of payments you have remaining multiplied by the current monthly amount. They are often reduced a little due to the fact that creditors will be making a saving on administration as well as the "bird in the hand" factor.
However -- as you have not started your IVA (have not had the creditors meeting), why not put a hold on it and approach your creditors directly with offers ? Or opt for a lump sum IVA ?
For info on a F&F IVA have a look here: https://www.iva.co.uk/full-and-final-iva
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