I will ask a professional who deals with this sort of thing all the time if they are willing to assist. If they are they might post below, as they will require your details.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hi Lorna. Normally I wouldn't be so direct but I think I might be the person Foggy is referring to! Which part is it you can't deal with or are you confused by it all? If you'd prefer to take it off-line please feel free to email me, my contact details are shown under the IVA Experts tab on the left column.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.