To be honest I cannot see any benefit from taking the loan.
The other thing now in the mix is that speaking to my Father about this 'offer' he too could not see the point of taking out the loan which would incur additional charges so has offered me to put to the IVA company and lump sum final payment of £5,000 which he is willing to gift to me to clear the IVA once and for all. I am going to put this offer to them as I have nothing to lose if they say no. I don't have this capital and the capital would only be given to me in the event that it the offer was accepted by the IVA company.
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