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Questions asked regularly and interesting questions asked elsewhere on Beat My Debt are posted here for the benefit of all.
#689
No. You cannot favour one creditor over another. All your unsecured debts including loans, credit cards, store cards, overdrafts, tax bills and even old utility bill debts will have to go into the IVA. If you need to leave some debts out of your arrangement then perhaps a Debt Management Plan would be better for you.

If you continue to have credit outside the IVA you risk the IVA failing which could then l;ead to you being declared bankrupt. It is important that you are open and honest with the creditors as they are after all, writing off a large amount of your debt.