I'm considering an IVA but the main thing that worries me is my credit rating - does anyone know how hard it is to get credit afterwards? Also do they work out your repayment to your max capacity? The reason I ask is if I can put away a few pounds aswell I can stop relying on credit when somehting g...

I rely heavily on my car for all aspects of my life - if during the lifeterm of an IVA I have problems with my car and need to replace it how would I go about getting the money?