Well, I phoned him and explained that if I had £2115 sitting in my bank, I probably wouldn't need his help. He blustered a bit and asked me how much would I be able to pay.
I hesitated and nearly said that I couldn't pay anything - that's why I needed his help. However, courtesy got the better of me and we agreed that I would pay him half now and half once the IVA was set up and running.
Looks like that was the best deal I could get.
Be careful with fees - they are all different. By the way, I found a great forum about IVAs. There are loads of people with loads of problems just like mine (and, perhaps, yours) Take a look here
There is also a terrific blog by the IVA Mole that's well worth a look. (Thanks for your support, riters bloc)
Stay happy
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