Failing the IVA now would be counter productive and you will have wasted the last few years ( money as well as time).
1. You are spending money on non-essential items.
2. You have not given the correct I&E information/or reported changes to your IP to reassess
3. The IP has miscalculated your contributions.
Raise this with them and try to get to the bottom of it.
They should be able to use their discretion to reduce the payments slightly or call a variation meeting of creditors to reduce the payments.
If you fail the IVA you will be back to square one and at risk of Bankruptcy, which I presume you originally wanted to avoid.
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