My parents have offered to pay off my IVA. I contacted CF a while ago to see how much I would need to pay and they said its the remaining monthly payments and also 12 months worth of payments to cover the equity release clause. There is no way I will have enough equity in my property anyway to trigger that clause. My question is therefore, if I did want to do a full and final payment and I believe there isn't enough equity in my property, would I still have to include 12 months payments in the settlement figure? Hope that makes sense!