I am currently looking at entering an IVA but have one major concern which is what i should do about my bank account. my partner and i have current accounts with Barclays with ddebit cards and cheque book which i know we will not be able to get matched now elsewhere becuase of our credit rating. Bar...

Hi, My partner and i are considering entering an IVA as we have £21k of debt and seem to be falling further and further behind each month. Our credit rating is already damaged beyond repair so it seem this is the best option. My main concern is what will happen next Summer (July 2009) when the fixed...