Any PPI refunds from now on will still belong to the IVA and your credit record will not clear up until at least 6 years from the start of the IVA, even if you finish early.
You have to weigh the pros and cons according to all of your own circumstances and feelings.
As Foggy says you need to weigh up the pros and cons. How likely you are to be left an inheritance or earn extra income etc that may have to be paid over in full or part into the IVA over the next 3 years.
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