The CCJ appeal and the charging order can all be dealt with as part of an ongoing IVA application - so that would not need to hold things up necessarily.
I wouldn't wait M.N. I'd give Melanie a ring now so you know exactly what your options are.
It's easier to sort something out like this on the phone rather than keep posting questions (we love questions, but it's easier for you!)
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
