A full and final figure is based on the remaining payments ( plus 12 if you are a homeowner) -- a settlement is basd on repaying the full original debt, plus fees and statutory interest ( much more expensive). Money has to come from a third party or be funds not otherwise due to be paid in anyway --- maybe from your 6 months allowance (as long as you are sure that you can survive without it.) .
If these monies have been loaned post IVA you may have breached the terms of your IVA re obtaining credit - unless the amounts are lower than the minimum (standard is £500) in your IVA terms or you obtained consent from your IP.
Paying them any redundancy money will be a preference and will likely fail your IVA.
In addition, as Foggy says, you need to declare the redundancy money to the IP and it's likely that at least some of it has to be paid over into your IVA.
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