Thank you for your replies to my post. We are still waiting on our reply regarding my annual review, they want us to provide more evidence on my monthly outgoings before a decision can be made. I know they will want to take as much as they can. But, my experience of my first year was very tough. It’...

Hi Anna. Me and my partner have been in an IVA for a year now. we have just completed our annual review. We hit debts totaling £64000; it was a real shock when we first calculated our debts for the first time. We have two children and are both working with good jobs, but, still found debts rising by...