Thanks James I owe just over £25,000. My disposable income is £200.. not quite enough [:(] However, my boyfriend has suggested that he make up the difference. I am worried that he might not last the course. He assures me that he is only too willing to help on a long term basis, and asks if there is ...

Hi, many thanks for your help James. [:)]
I am currently on an informal IVA... can it be changed into a formal IVA as I have decided against entering into a mortgage until I am sorted out. I am feeling that it would be better to straighten myself out before entering into potentially more problems!

I'm currently on a debt management plan - but am hoping to be able to sign on a joint mortgage with my boyfriend. Will this effect my repayment plan, which I can't afford to jeopardise?