How long have you left to complete your IVA? A F&F proposal could take 6-10 months to be put in stone as no one seems to make a very concerted effort to speed up this process. You can't clean up your credit report until the 6 year anniversary of the start of your IVA, so additional credit of any form is out the window. Once you make the F&F and if it is accepted you then still have to find the money to pay back your relative. Experience tells me that borrowing from a relative can be a stressful process.
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