Thank you Foggy. That's really helpful. I thought it very likely that I wouldn't be able to change IPs but it was worth checking just to be sure. I'll wait for a reply from my email and then do what you suggest if I haven't heard anything. Thanks again.

<t>Hi MIchael,<br/> I saw from the experts page that you work for Cambridge McDuffy, which is why I'm approaching you with my dilemma. I am in my second IVA - yes I know. The first time was, I suppose,the consequence of mounting up too much debt on credit cards and loans etc. which over time became ...