many thanks

thanks for your help storm.
its just that i know i need to do something quick about my finances but am s*%t scared to actually take the plunge, i'm not behind on any payments yet but know by the end of august i will have missed at least two of my commitments!!!!!

so would the higher interest i incurr also take effect if i go for a joint mortgage with my partner who has a fantastic credit rating

how badly do iva's effect your credit rating i.e. if i wanted to move home 2 years into the plan would i be able to sell and get a new mortgage?