OK thank you all very much, makes it clearer what decision to make and hopefully will get somewhere with this scenario!

Thanks for that. One last question, will Max Recovery have the credit card owner details if I present them with the IVA reference allocated to them?

Sorry I do not understand 'cannot claim offset', these were credit cards with banks I was with so do I apply to the banks of these credit cards if I know the details, or Max Recovery?

Thanks

Even though I have a failed IVA? The majority of the cards are Max Recovery, no further details? How do I locate the relevant details.

Thanks, this sounds a better idea.

3 previous loans of £11152 and cards £7462 securred with High Street lenders...

approx £18k

At the moment trying for 'big if's' for exemption and staying put in my rented property is too much a risk and that the re-submission to see if I qualify for a DRO is less of a risk at the moment. I can then re-apply for NPower for utility bills that I have now reduced via meters and rent arrears du...

Yes I am thinking if I relaimed via PPI my debts would be below £15,000 for a DRO. So am I right in thinking that re-submitting an IVA to see if the debts reduce for a DRO would be the best and quickets option at this moment in time? Thanks

I'm lead to believe if your debt is <£15000 you can receive a debt reduction of some sort with a fee of £90?

I realise this as I have preparred letters myself, my thinking is that it seems quicker to be done all at once as previous IVA took from 2008 to 2012 to become failed when payments ceased in 2008. Also CAP money have assisted from November 2011 but still have not suggested any course of action to da...

No assessts, voluntary re-possessed my previous property when made redundant in 2009; recently sold expensive items and car on eBay... The main fault of bad income is CSA and when state benefit payments are missed due to no fault of my own such as applying for DLA recent cause of missed payment in J...

The 2007 IVA has failed and I am looking to re-sumit via another agency due to upfront costs with original practicioner. My circumstances have changed from full-time employment earning £27k to full-time Employment and Support Allowance, DLA with limited income and I have submitted this, but I wish t...

I am looking for the cost of living amounts when you have an IVA, standards state that a lone parent COL is £23,900 but obviously this is reduced with debt. Is the cos of living £16k or around that figure?