Just so you know, I am now bankrupt and no contact from this Declan guy. I know he doesn't have to and that he may not have even read the post BUT if hew had and didn't even bother to even say, sorry it's too far gone now, that's just the typical level of service I have recieved from DFD. I'd never ...

Hi all, I need some advice and my local CAB are too busy and keep turning me away. I would have been in an IVA for 5yrs now but just after the 4th year DFD decided to declare myself bankrupt. The IVA was joint with my wife BUT the house is in my name only. We are still awaiting any of the creditors ...