Thanks to everyone who has offered there support and advice. I do not want to go down the BR route but I have to consider my opions. Given the fact I wanted to do the right thing and try and pay back some that I could afford to.

Can someone please explain what F&F means?

Many Thanks
Matt

Hi I have been in a IVA for near on 4 years although for the past 6 months I have been out of work so unable to pay. My payments were £640 a month when the IVA started. In the time that has passed I have married and recently had a child. Obviously my wife is not working at the moment and I have just...