Thank you all so much. Feel like Maybe i'll be able to sleep a little easier. We will continue to do as told and try not to worry. Although that's easier said than done
Really appreciate all your posts.

Thank you, that's good to hear. At least there is a possibility they'll agree.

Thank you. I know, I need to try and relax. Our other stumbling block is that NRAM and Lloyds need to agree to any proposed IVA as most of our debt is with them. We've been told they can be very difficult. So I guess, that's what we need to concern ourselves with right now. Thank you again, I really...

Unfortunately I am prone to worry and make myself ill. And we are new tenants, and only just started feeling safe. (The contract was put together by the estate agent which our landlord uses only to get new tenants, he doesn't use them to administer the tenancy, he has taken over now. I remember the ...

Thank you MrsKnight. I have to admit to being in a total mess these last few days, I think the thick purple lines under my eyes show that. I was almost sick when I read Melanie's post this morning :( Thank you for the assurances about the two companies we are in talks with, that's very good to hear....

Thank you both. You are right I'm worrying and scared
I can certainly provide receipts and statements to prove we aren't in arrears.
We can currently talking to cccs iva dept, as well as victor bond.

We are not in arrears. Only just moved in this month. It's a new home for us. We've moved out of mortgaged property and surrendered that to mortgage company.
If ip tells landlord we'd likely lose home. Don't think I could cope with that.

Thank you everyone, I really appreciate that information. We were understandably very concerned last night.

We are looking to enter into an IVA. Our tenancy agreement includes a clause to say that the landlord could kick us out "if the tenant shall become bankrupt or assign his estate or execute any Deed of Arrangement for the benefit of his creditors..." So our question is this, do we have to include a c...