Thank you so much for all your advice and comments. Its just so brilliant to be able to 'talk' over these things and put it all into perspective. I will look at formalising the mortgage situation first. Although I may just have to swallow my pride and stay at my parents until I've got a better grip ...

Hi, Just a quick question ... actually who am I kidding! Its a long complicated question that spans the last 15 years, but in short .... I think an IVA is for me having researched online for some time, but I'm not sure if my current living situation will throw a spanner in the works. My debt is arou...