Hello Lee,
You can include your joint overdraft in your iva but the bank would expect your partner to pay the overdraft.
You can include bank overdrafts, personal loans, credit or store cards, outstanding VAT, outstanding inland revenue debts to your iva.
You must however keep up full contractual payments to your Secured debts and other priority debts (see below), an allowance for which will be made in your expenditure.
Debts that cannot be included in an IVA are; Mortgages and loans secured on your property, Hire Purchase agreements (except shortfalls), Magistrates Court Fines, speeding/parking tickets etc, Maintenance/CSA Arrears Arrears on a rental property (however you may be able to include outstanding rent on a previous property).
Kind regards,
Julia
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www.supersonicsquirrel.net