Thank you for all your comments. They are much appreciated.

Thanks fudge and Andy. I'll fill out an accurate IVA enquiry form over the bank holiday and try and speak to someone on Tuesday or Wednesday. I need to see this through now I've started. The future will be grim otherwise. Just one last question. Regarding expenditure. Presuming I go into an IVA on ...

Hi And welcome to the forum - please don't think you are the only one to get yourself into a financial state. We all have and that is why we are here. Everyone is here to support not judge you. OK now you say that you have a joint mortgage, first things first you need to decide whether you have eno...

Ok, deep breath. This is my first post. I've spent most of the afternoon reading the forum and various topics around the site. I'm undoubtedly in a financial mess and from the looks of others positions (why do people, me in this case, presume they are the only one's !), heading for an IVA at best o...