I agree that a second IVA does not seem lie the right option and Bankruptcy would have been better in the circumstances. Who have you made a formal complaint to - DFD or the Gateway? https://www.gov.uk/complain-about-insolvency-practitioner I made the complaint to DFD who told me not to report this...

Hi, Sorry about your problems but you would have to pay fees which would have been agreed at the beginning. Bankruptcy does look like a good option. Yes true, but does anyone understand this - all anyone wants is an immediate solution. I only realised how extortionate they were when they sent me a ...

The simple fact is, if the figures were correct and you could afford the £300 by living to their budget, that by paying £100 instead you were breaking the terms of the agreement and it has fallen void under the terms and conditions. There is really little you can do about that. A complaint will do ...

Michael Peoples wrote:

You should seriously consider bankruptcy as a third IVA does not sound like the correct advice to me. It can be done online and very quickly and that would stop all legal action against you. Try your local CAB who could help for free.

Thank you for your advice.

Richard

<t>I split up with my Wife and managed to hit Lloyds and Amex for 36k. Not good. Started an IVA for £295 pm but I couldn't pay after a few years, so I run away to Spain after having a breakdown. I came back with nothing - homeless. Me and the cat (who I took with me) living in an old Volvo estate. I...