Hello

thanks for that reply and like everyone else seems to say, good news I am not alone. I rececived the 'no IVA with NR'advice from a charity - and have believed it ever since.

Melm, how do I best contact you to set up a conversation in which I can explain in details my situation?

Many thanks

Hello, I am considering IVA and Bankruptcy. I would welcome comments on: Received wisdom is that N Rock will not consider an IVA under any circmstances. Does anyone have experience of this? Reading around suggest that as I have no equity in my home (OK rather -ve) that should I have to go the bankru...