Sueann, I suppose it's similar to my situation. i went into an IVA for two years with the hope of sorting my debt problems out. I put this down in the "reasons for debt" and explained that I had wanted to solve my debt problems but been unable to do so through an IVA and wanted BR as a fresh start. The fact that you have already taken steps to try and sort your debt problems for the last four years can only be seen in a good light by the judge and the OR.
My husband and I both petitioned our own BR. We filled the forms in online then printed off 3 copies to take to the court. It really isn't as scary as you might think. I have my telephone interview with the OR tomorrow. I have lots of questions about an IPA because up until August we would have enough disposible income but when my daughter goes to Uni I will lose about £250 from my income but will still need to support her financially.
Good luck Dee please let us know how you get on. I have another question does everyone who has some disposable income get an IPA? I read somewhere that the IPA decision can be made on your history rather than disposable funds, just wondered how true that was.
I am now counting the days until end July when I can afford to go BR.
I have not heard of that if I'm honest Sueann - I am sure Julian will tell you if he has. I know an IPA is a percentage of your disposable income. Once you get under £100 disposable income the likelihood of an IPA is low.