<t>I have an IVA. I believe that I was not offered the best advice as debts close to £70k with variable income at the time meant bankruptcy would have been the better option. I have not paid a penny to the IVA company for over a year as I was again disputing their figures and still receiving letters...

Thanks for the comments, all much appreciated. I've decided to leave the pension alone as it will.probably be more useful later than now! As for my IVA, they have already shown they are totally committed to their fees and the creditors than us so I will most likely take a commission onky sales job a...

Thanks Kallis3 but how do they know I've got the money?

I believe that with £66k of debt and £25k of income an IVA was the wrong route to take but I was persuaded and now have an IVA. Due to be made redundant 4 weeks ago and money rapidly running out I have decided to cash in one of my very small (£8k) pensions as despite apllying for nearly 150 jobs,...