Thanks for your reply Melanie. The company was Step Finance. I was paying money to Step Finance and they did not not pay my creditors, last year I was told that one of dept was written off because they couldn't prove it, which was all lies. My ISA is not a lot because I couldn't afford a lot of mone...

I was in a dept management plan for 5 years and in May they went into receivership without paying no money to my creditors, I lost £16,000. I now have to start an IVA. I have an ISA as a saving would I have to declare my savings to the IVA, it seems so unfair because this was not my fault.