after being wrongly advised on an Iva and having a personal officer dealing with my case encouraging me to lie about my income to get the Iva accepted (all documented) I was harassed into signing the proposal which after several phone calls and talking with a manager about the situation was cancelled. Or so I thought . They sent out a letter saying a meeting with my creditors was scheduled for next week but after speaking to one of my credit cards today , they have already been in touch with them telling them of a proposal and my credit card company has now shut my account and sold my debt to another dca !! They are working to reverse this but it's already probably too late. None of the Iva was accepted and was cancelled within 5 days . The whole process was invalid due to deceit by the personal officer involved. I have contacted the financial ombudsman and they cannot help as creditfix haven't been registered since 2015 . I'm having to complain through the independent insolvency practioners to resolve this I am currently 8 months pregnant and this is disgusting behaviour. This company preys on the vulnerable. I will be persuing a solicitor and court action against this company and will sue them for harassment and complete illegitimate conduct.