I would do less than this if possible. I entered the Iva out of fear. I had lost a partner 7 years ago, and I had been left with one sizeable debt. That company had been great with me and a payment plan. Unfortubalty I listened to some poor advice that said unless I entered an Iva, they would eventually come after me for more money and maybe my house. Entered Iva in a panic as a student who over inflated work situation so I was accepted (worked overtime). Paid Iva now for 5.5 years. 8 month payment break in there due to job struggles. I pay £250 a month. Recently, my sister was diagnosed with cancer and she lives 200 miles away so I want to help her with childcare at weekends and drive there. I offered the full amount of £1900 to finish the Iva (from my mum) so we could travel and help her over the next 6 months of gruelling treatment. Zero compassion, zero support, and now they want £4900. Customer service is appalling, no reply to calls or emails and end up having to repeat the same thing over and over. I have done 3 new expenditure forms and bank stats in the last month, and I just get told my offer has been rejected give us more money. Even sent diagnosis proof. So no, don’t use them as in that 6 years, if anything changes for the worse - these guys will shaft you, for the better - still shafted! Ironically the debt that I had no longer is on my credit profile and I am told after 6 years it’s unlikely you would be pursued, and since I already had an agreement to pay just £20 per month, i had zero need for this mob.
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