Hi thanks for the quick response, and yes I forgot we get a small amount of working tax credit about £30 a month, and Child Tax credit for about £280 a month, so yes we could easily afford the £335-350 a month. I also have payslips, so could prove earnings. Looking at your info, I think I'm going to...

Basically my wife and I have been struggling with our debts now for about 5yrs, in that time we have had two small children moved across the country for my new job and found that our debt has grown as costs and needs for the kids spiraled out of control. I've read about IVA's and I've been reading h...