Yes that is what my IP also stated - I am a bit concerned as the IP hasn't really said where we can go from here - what i would love to do is do an IVA for the rest but of course that wouldn't be possible. I would consider BR but don't want to lose my house - its a joint mortgage with my husband and...

thanks! Not sure what they are doing to be honest - if they never accept them then it seems pointless putting my iva forward although my IP said we have to give it a go - argh its all a bit too much!