if I could give 0 stars I would, really helpful to start off with so agreed to start the application process. 2 days later another option was given to us via family so we cancelled the application. since then my credit card has been frozen and my bank account was frozen pending closure! this happened four days after cancelling the IVA application. This has caused no end of issues and I didn't even get to the creditor meeting stage. we will be complaining via citizens advice and their trustees. Avoid at all costs!!
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