Hi Agnes. You should have a word with one or both of our whole of market brokers on forum. You can find their details under the "Ask a Question" tab ( top left) and scrolling down to Experts Details -- you are looking for Ryan and / or Shaun.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014