Thank you for your help. I did try for a DMP and IVA but due to losing my job it was no possible. I have already lost my house and trying to get a new job because I would like to repay as much as I can if my BR is accepted. I only ask due to the fact I thought it was odd that if your not working you...

I spoke to someone who has just come out of BR due to being unemployed

I have been advised if your not working during the 1st year in BR they will discharge you and you will no longer be in BR and you dont have to pay the O.R is this correct?

if iam unemployed how long will i be in BR for?

if i am still not working once discharged iam i right in thinking iam totally out of BR?