Hi sorry about your problems.You need to go back to the debt charity & make them listen.I thought the IVA applied to Scotland as well has the rest of england.The IVA would be ideal for you or have you considered filing for bankruptcy.That will clear all your debts.
Good Luck
ps/ Check out this web site
http://www.debtsolutions.co.uk/bankruptcy/avoidbankruptcy.aspYou could speak to the Consumer Credit Counselling service and or the CAB.You could go down the route of a IVA or even bankruptcy (costs around £500.00) – At least you are working so in my opinion I would suggest the CCCS (free charity). they will draw up a plan for you based on your income and expenditure then forward that to all your creditors… Good luck.Hi Cultivate

Im sorry to hear of your situation and i have no intentions of preaching.

I deal with IVA's T/Deeds (sequestration) DMP's on a daily basis and i can tell you now that there is no where near enough information supplied here to help you.

There are a number of questions i would need to ask you before i could even consider which direction to point you in.

I am contactable by email and if you wish you can contact me on that.

I would offer my advice freely and would suggest that you stayed with one of the charity based organistions which as you know offer their services freely.

If you wish you can e-mail me at anytime i wish you luck

xTrust deeds are a good solution, shorter and more flexible than an IVA. I like Scottish insolvency. With 40k of debt you would have to pay about £600 to clear your debts through a DMP. Look in the phone book for a local insolvency practitioner.I strongly advise you to have a look at the "debt free wannabe" forum on moneysavingexpert
http://forums.moneysavingexpert.com/forumdisplay.html?f=76

IVA's are only recommended for a small number of people (Trust deeds too). If you have a house or assets you are trying to protect from bankruptcy, this is usually advised but you need to check what you will be liable for at the end of it – on the site mentioned above, there are examples of people who have had to sell their home after completing an IVA.

You are using a company to set up a DMP – is this one of the free debt charities CCCS / Payplan?

Not sure what your exact circumstances are, but would a Sebt Arrangement Scheme (DAS) be suitable?
http://www.moneyscotland.gov.uk/

 

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