Speak to your ex again. Just because his solicitors have advised him he doesn't need to pay does not mean that he cannot if he wishes. He has expressed a desire to assist you. Take him up on it. If you can combine this with a variation which will allow you to alter the payments into the IVA, this wi...

My advice would be never to pay for any IVA advice up front. If you do use an intermediary who advises you, and the intermediary passes you on to an IVA company once satisfied you are quslified, then the only remuneration the intermediary should receive is a payment for work carried out for the IP. ...

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