Many thanks guys, you have given me many things to think about. There is no paperwork for the loan agreement, however £175 each month goes by standing order to her account from mine. If she had to be included in the IVA she would have to pay the remaining amount owing which would put her in hardship...

My mum has taken a loan out in her name to try and consuladate some of our borrowing but we pay her back the monthly repayments each month. She is retired and is unable to make the payments by herself as she is on benefits. Could you tell me how this could / would work if we decided to do an IVA wit...