Licensed Insolvency Practitioner Richard Cacho based in Norwich, East Anglia with over 25 years' experience handling business recovery, corporate restructure. Nationwide business windup and recovery. We act for solvent companies (MVL) and all insolvent procedures company and personal e.g. Administration, CVL, CVA, and IVA. Personal Insolvency IVA Bankruptcy Debt Management. Richard Cacho BBus ACA is an Insolvency Practitioner licensed to act in the UK by The Institute of Chartered Accountants in England & Wales.