Hi again, sorry I have another question if I may? On Melanie Giles' "IVA in 7 steps" there is a line about "information regarding how you got into debt". How important is this? and are there circumstances that creditors look less favourably on?

Thanks again!

Wow! thanks again for all the kind words of advice! I'm still a bit confused over a couple of points, but I'll save those for the IP rather than over-extend my welcome here! One thing though, there seems to be some conflicting information on whether the Natwest step account offers a debit card. One ...

Thanks again, this is all slightly scary, so you are helping immensley

Thanks guys, that's useful info.

Tina, I was looking at a Natwest account, though I will take advice as you say.

James, I have a loan with that bank, and there is an overdraft. Would it be easier if my partner were to move to a new bank?

Thanks again,
David

Hi, I am considering an IVA to get out of my debt problems, but I curently have a joint account with my partner and I don't want her to be a part of, or involved in the IVA (individually she is in a strong financial position). Is it possible to do this? or should I open a new bank account for myself?