Thanks

[mish1953]

Thanks for the help and advice everyone.

I have an awful lot to think about now, feels like another sleepless night.

1) an IVA might not be the best thing for me.
2) N/rock may be able to secure an unsecured loan
3) I need to speak to my employer - could lose my job if I go BR
4) suggested expenditure figures may be too low to sustain

Its been an interesting evening, thanks for all the help and support .

Night
Hamish