Thanks for advice. Since I posted original query things have unfortunately moved on. Totally out of the blue I have developed heart problems that could be serious and I may have to give up working, I am 66 years old and have a very high powered job, dealing with finance that I love. What will happen...

My husband & I are currently i an IVA set up six months ago. We both make separate payments by standing order. No payments have been missed but I am telephoned, at work every month to ask whether I have made a payment and when. Originally we were told we would have to sell our house by year 4 ofthe ...