Thanks James, I am in a DMP already, I will talk to GP again to see what can be done, thanks to everyone on here for the answers.

Thanks for the reply Melanie, much appreciated, the debt is certainly older than 12 months, I'm not sure how much is still owed, I will check into this. I also heard that you can't be recieving overtime or standby pay during an IVA, is this correct?

Hi, I have a current agreement with Gregory Pennington which is not an IVA, I have asked them for an IVA but they tell me that as the majority of debt is with Black Horse Finance that it will fail as Black Horse always reject IVA's, can I have the benefit of your experience with this, do Black Horse...