Hi Susie,

You do not look like an IVA case that's for sure. If this is the only debt that you have issue with, we need to just get this sorted. There is no way that your loan can have balooned to such an extent over a short time period.

Please can you tell me who the loan is with and what the APR was that you signed up to. How long ago did you make the arrangement with them? Did you do this formally?

Tim