The programme featured a lady on disability benefit, who had amounted debts (mainly on credit cards) of £36,000 and had been put into an IVA which required her to contribute £300 per month. The IVA failed after a year so she became bankrupt – all her payments thus far going on fees with nothing to the creditors at that stage. Geoffrey Fitchew reinforced the recommendations made in the IPC’s 2005 Annual Report that IVAs were generally unsuitable for people on benefits, especially if they are means tested. The programme concluded that major lenders had stopped putting such people into IVAs.