Not an expert but I would just pay whatever expenses you were paying to whoever just the same as to your Mum and brother, its irrelevant who you pay the money to just the amount is the important part for the IVA if your outgoings were £1000 per month you just pay the same amount to your mum or broth...

You have 2 choices Either go for a large company where you can be 1 of the crowd or a smaller company for a more personal hands on approach both have positive and negative aspects The larger companies have more staff and more resources the smaller ones maybe get backed up with work Its like buying a...

Co Op or Lloyds maybe an option You can google a list of banks in your area and choose 1 that is near for you to get to as and when Your debts are not that much so dont feel bad about that and now you are sorting the problem out stay positive and you will soon have this under control keep off the ga...

I ad a large windfall last October and I sent my IVA company a large bag of leaves

Easy Peezy you will be fine
sleep well tomorrow