Thanks everyone for your replies, its really nice to have people on the same side as us. We are already finding this forum a great help.

We are in the middle of applying for our iva and have all the worries that go with it.

Our Electricity provider made a huge error with billing to us a couple of years ago and now we owe them a lot of money which we are putting through our iva, what are the implications, if any, of this in respect of continuation of supply. We are not able to switch suppliers as they will not let anyon...