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The Insolvency Practitioners Association

Early failure rates are a sign that these are not being sold to suitable people. Often fir i b as do complete, but they should never have had an i b a in the first place. They end up paying back a lot of money, huge fees, and they've had an insolvency on their credit record when they just needed to have their interest paid off. People like rachel shouldn't go directly to one of the big national charities, citizen's advice, national debt line, step change. If they say an i v a is right for you, it's a good solution. And never answered one of those face bookin insto gram hads. Sarah williams

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