Thanks for the feedback - I am sure others will find it comforting to know that the initial stress of having to go to down the IVA route is unlikely to return.

Thanks again.
Chris.

I have just recieved a letter from the forementioned "Bankruptcy365" and having read through the threads, I am unsure as to what is actually being confirmed here with regards to Synergi. I have tried the number we have & it just rings off. We had our annual review back in August and I have spoken to...