i currently have an IVA, if we want to declare Bankrupcy do we use the same company or can we go somewhere else?

I have an IVA which has now been completed by my IVA Company, my question is, i have tried to get my money from my bank account today and my card was refused. I rang Lloydstsb up and was told because of the IVA all our accounts with them have been passed onto the debt consumers msomething (cant reme...