Dear all A very big thank you for your replies I feel better already! The story so far is I entered into my iva almost two years ago and quite frankly I panicked my way into it because I was so worried about BR. I own my own home which I have been trying to sell but will probably go into negative eq...

I am in my 2nd year of my IVA and its been a bit of a nightmare (I am with synergi by the way not by choice but was passed to them by the debt councelors). I have got to the point where I am seriously considering br as I need a complete fresh start. I have spoken to my ip who really just keeps remin...