Thank you Melanie Our mortgage is for £52800, which is a 40% share in the property. I have a student loan but am not worried about including that in an IVA as only about £30 a month comes out in my wages for repayment. My main concern is my bank loan, overdrafts and credit cards. My partner is bank ...

Thank you, that is good to hear. Thanks for your prompt post too!

Myself and my partner are in a pretty awful financial situation, mostly thanks to me doing a degree and teacher training over the last five years and things having to go on credit cards and then be consolidated, the whole vicious cycle. I wish we had a fancy plasma or new car to show for our debts b...