Thank you for clearing this up Andy and David.

Thank you David for the quick reply, also with IVA's do you have do them on your own or can you do a joint one (as in me and my partner do one toghether?)

I have one thats phones me at home and at work,they phone very other day,leaveing messages at work and home,they try and make me pay somthing,even though,im sorting out a DMP.

Hello everyone, 1st post here.
Me and my partner,are looking to do an IVA,

Can anyone tell us,which people are the best to do one with??

I have no idea about these,so any info,would be great

thanks [:)]