Now --- assuming you have the usual clauses you are due to pay the creditors half of any salary increase you have had ..... has your salary gone up over the years ?
At the end of the day they determine your payment, not you.
Personally I would seek their support in extending your iva to clear the arrears to avoid it being terminated and potentially leading to bankruptcy.
If however they are correct then I would suspect there might be something wrong with your expenditure - perhaps you are not sticking to budgets or are spending on non- essential items.
Either way if there calculations of your surplus was correct then you need to reach an agreement to clear the arrears or your IVA will fail I'm afraid.
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