Synopsis

With the cost of living crisis intensifying, recent data indicates that nearly 13 million people in the UK are struggling to meet their bills and manage their debts. *Panorama* examines the expanding debt management industry, focusing on companies that offer Individual Voluntary Arrangements (IVAs). While IVAs provide a pathway for clients to repay their debts in installments, reporter Lora Jones uncovers instances of high-pressure sales tactics targeting vulnerable individuals, as well as charg