It seems unfair that some people are unable to carry on with their life while in an IVA. 5 yrs is a long time and to be restricted to living at home and being miserable or to finding alternative accomodation at the same price seems very harsh.
As an alternative you could look to move out and then opt for Bankruptcy after finding new rented accommodation.
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Why should bankruptcy be Mich's best solution, surely, if she moved out and she didn't have any disposable income to put into an IVA, then resort to bankruptcy, but for IP's to refuse to allow extra allowance for IVAer's wanting to live on their own is unfair.
I sometimes get the impression that people are punished while in an IVA, very tight budgets and restrictions, when they should be commended for being in a position to and wanting to pay back as much of their debts as possible. IVA's don't work for everyone but it seems that sometimes it is made very difficult to continue in one and live life aswell.......[V] [:(]
It's nice to be back......