Thanks for all your replies. we are currently co habiting and split all household bills incl.food equally between us. the utilities are all in partners name and i pay him cash each week. will payplan need copies of utility bills as they are not irectly connected to me? and as i get paid cash weekly ...

I am in the early stages of setting up an IVA with payplan. I am due to be married soon but the debts are all in my name and i'm taking full responsibility for the payments. does my marital status make a difference? I don't want to involve my fiance in the process.