I am now going to assume the comment was aim at me as my second account has been banned.

Rather than simply banning accounts, how about offering an explanation as to what I have done / am doing wrong to give me a chance to respond or defend myself?

I am now very, very confused.

Hmmmm, I hope that comment is not aimed at me Kallis when I have only offered a concerned individual genuine and accurate advice. I have worked within IVA's for over 5 years and currently autherise any 'uplifts' proposed by creditors at proposal stage and therefore feel I have the knowledge and expe...