You'll find that I have learnt from the mistakes I made 6 years ago thanks, I'm not 20 any more, hence why I got the IVA to get things back on track.
Bonus bragging offer minimal risk, I did it for a while back in 2005 and netted £500. The only reason I stopped is because I got a girlfriend, and couldn't put the needed time into it.
I have spare time again, and am paying more for my room than when I took out the IVA, so the extra cash will help not throw my life off kilt (IVA's only get reviewed annually, so my new living arrangements won't affect my repayments until next year).
But thanks for your sterling advice, I'll be sure to grow up first before anything else.