Thanks for the information.

Is it still the case that MBNA are not playing ball when it comes to an IVA descission ?

Another question if someone could help please - I am currently paying all my creditors the minimum amount each month on credit cards etc. so I am not in arrears or missed any payments ( not defaulted )can I still apply for an IVA being in this state ? I have basically been getting the money together...

Many Thanks for the info, I spoke to someone at MBNA last week and they gave me duff info as they tried to set up a debt management scheme with me and said that it would be better than an iva due to an iva stays on your credit file for a lot more than six years.

Greetings All I am in the process of looking at an IVA to help and hopefully solve my debt problems. Can anyone tell me how long it is on your credit file if you obtain an IVA - as in the future I would like to buy a house with my partner ( few years down the line ) she will have a good credit score...