just further to the above, through the chain of responses above it looks like I have 2 options, carry on as is ( current arrangement or disclose our relationship ) I have no problem with either way I just want to approach the best way / the right way for all parties. What would be my best way forwar...

thanks for all your help everyone

I have also had a good pay rise of about 5k does this mean that the IVA can take near on all of it or do they only take a percentage ?

No problem thanks

how much information do they take off my partner ? I know they will want to see how much she earns etc but when we move ( as my partner wants to buy a house ) none of my debts can be taken from her ( as in any equity within the house )

No I was renting a room off a friend which due to my circumstances at the time I was in arrears. The friend was named as a debtor but did not want to get involved with the IVA so she said she did not want the money's owed ( it was only a small amount ). Since then we are now a couple and she wants t...