The money from the house sale is what I have for my HP on the car and yes it has 35 payments left A house purchase will be with my partner so I will not be paying too much more, maybe another 150 on top of what I currently pay. I have no idea what to do, DMP does not seem a good idea to me as it see...

Income £1600 a month

Expenditure

120 petrol
300 rent
35 phone
30 Car Insurance
60 gym
400 socialising/clothes etc
108 Car Payment (35 Outstanding)(Which I can clear if need be)

OK Here is an outline, what do you think and what companies can be trusted? Payplan seems to be quite good? I have 44,000 owing and I think I can afford about £600 a month. This would enable me to live each month with comfort, I am currently living with my parents. My Car is on HP but I have the mon...

Thanks

Would 'most' lenders do it and also what does IP stand for?

If I was successful in an IVA would I be able to get a Mortage in the next 12 months. I have recently sold a property and will be looking to get another mortgage in the next year or so?