thanks Jan, I guess what really shocked me was out of the 15k I pay back, only 9k goes on the debt the rest is too the solicitors, I cant help but think that has something to do with an IVA being advised ahead of BR, and it surprised to me to think im not really paying back that much of my debt!!

Hi there I am in the final stages of my IVA, just waiting for the Ip to set a creditors meeting date, however, I am now thinking that, I should have chosen the bankrupcy option after reading that your credit file doesnt distinguish between an IVA and Bankrupcy, I thought it would be much worse for B...