Also you wouldn't have credit cards anymore as all unsecured debt goes into the IVA even if you pay it off. If you have problems with any of your appliances you can always ask for a payment break to help pay towards it.
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
Hi my fixed rate ended last year and I was able to go on to another fixed rate with my mortgage provider no problem at all. They sent the letter out to remind me and I just logged on to my account and applied for the rate I wanted.