Well just got back in from court the deed is done, had to wait half an hour to see judge, he was a very nice man. Had to explain why we could not continue with our current IVA has they had a copy of the variation which was due next week. He told us about loosing the house etc, and we explained that this was not an easy decision for us too make but was aware of the consequences. Everyone was very nice, had an interview over the phone with OR incase any urgent things had to be considered which there was not we explain the situation regarding the car which is on HP but it will now be down to the finance company if they will allow us to continue with the payments, not concerned about the house but what will be will be. Our next interview with the OR is the 24/04/07 so still a wait to to find out what happens next.
A funny sense on emotions went in calm then got very scared as we were called then a sense of relief, but also saddness very hard to describe the feeling.
Anyway it is now over and i should have done this in the begining.
I apologies for my keyoards poor spelling and grammar.