I would guess that they simply played the numbers game Mel. From their perspective, good advertising, hot referrals and volumes. I dont think they give a fig for the individual, they just go kerching !! as each IVA gets voted through.
Your right, there is good and bad in the industry and also there is downright terrible too. I have said this before, i HATE the factories because there is no consideration of the personal circumstances. I am not a firm fan of PP or GT because i think they are factories themselves but not in the same BAD league as DM or DFD. I heard DFD referred to as Debt Free Disgrace and think this is very appropriate.
An IVA was intended as a viable alternative to Bankruptcy. A solution for clients who have debt issues and need a remedy. To qualify as an IP is no easy feat, what a shame that some have given in to the temptations of a fast buck and business demands at the cost of the integrity to the spirit with which an IVA was intended !!
Its getting a bit late for me to be dwelling on the morals so I am away for the night.
Fight the fight Mel, I applaud your efforts and that of all those who contribute but, the industry has more than its fair share of rotten apples, like DM. GT and PP are big enough to 'swllow' the costs burden after buying the book from DM, they dont need to pass these costs on to those most in need of the help, not if they really subscribe to the same code of ethics as you do.