Ok, thanks to you all for your time and advice

I have not got much hope really, its the mortagage and loan payments that I am struggling with, not quite sure what to do next.

Hi, totally new to this so sorry for asking some stupid questions. The mortgage is £110000 and the loan is £72000 , both in joint names. How does it work with the mortgage, would this be paid from the IVA monthly payment set, what happens at the end of the IVA?

I have a joint mortgage and loan with my Ex-wife, I now find I am in negative equity situation and can not afford to make both payments, in arrears and a few other detbs. I do not want to lose he house in which I and 2 children live. My ex makes no contribution as she has low paid job, can I do a IV...