thanks for your replies, asking family for a loan is not an option, i have destroyed cards so i will not be using them for sure, its 2/3 months to my first review, i think i will wait until then and see what details are asked for and whether i can pluck up the courage to admit to my aborration.

I had my IVA approved in April 2007 with all my cards and debts included but had one card linked to my bank account that i had never used, now 8 months into the IVA I have been using it for shopping, fuel, cash advances when short at end of month. I was managing to pay it in full for the first coupl...