Thanks for your replies I will try to contact the bank and arrange to see them and talk over this and hope they agree, its a bit scary visiting them and telling them the situation but I guess there is not alternative thanks again and I will let you know when I go.

Hi think this must be the case then as we owe roughly £30000, the firm we were looking at is dfd {debt free direct}.
As we owe 2350 to catalogue and mobile contracts around £1100 therefore lloyds would be more than 75%.
Many thanks

Hi thanks for your responses. We have 2 loans credit card and overdraft with them, and the other is catalogue and mobile contracts. The amount to Lloyds is around £25000 I think the other 2 are minimal compared to this but the company we are looking at have told us they are rejecting all ivas wether...

Hi we owe most of our money to Lloyds Tsb and have been told that at the moment they are rejecting all IVA's is this the case?? Many thanks