Thanks again Melanie for comments. The charging creditors have not made their intentions known so I have emailed the charging creditor to ask - A) if they wish for me to continue with the payment agreed through the CCJ (@£82) B) If i am still paying if it is the intention to reduce the balance owed ...

Melanie - From their email correspondence I had with them I think they thought we could convince the judge to continue with the interim order until the outcome of the IVA meeting was known. I pleaded with the judge for this but she said that was not possible - It may be more probably that my IP coul...

Thank you very much your responses which are insightful - Yes I feel the person dealing with the IVA application seems to have been very naïve and I will have to be very careful what they next propose and may have to seek advice elsewhere for a second opinion. Fortunately I have and will not pay for...

First time on here but have spent many months looking at postings. This is a long one so please bear with me My wife and I have been successfully paying into a Debt Management Plan for the last 18 months I decided in August to try for a full and final IVA. At the time one of my creditors had decided...