IVA annual review: documents and changes
This guide covers England and Wales
The short answer
An IVA annual review checks your income, essential spending and whether the arrangement is still workable. Your payment can change. It is not a new application for an IVA.
Send documents through the secure route your existing supervisor confirms. This site does not collect payslips, bank statements or IVA answers.
Use the contact details on your own IVA papers. There is nothing to upload or sign up for here.
Checked Sources
Editorial responsibility: IVAs & Bankruptcy — how we check and correct information.
Documents to have ready
Ask the supervisor which dates and documents they need. The 2025 protocol terms include evidence of income and spending; the exact request depends on your arrangement.
- Recent payslips, P60 or other evidence of income.
- Bank statements for the period requested.
- Evidence of essential bills and changed costs.
- Details of disability or caring costs where relevant.
- A note of changes to work, household circumstances or benefits.
Explain what has changed
Include increased essential costs as well as any higher income. Ask what change is proposed, why, when it starts and how it is allowed by your terms. We do not calculate an affordable payment for you.
Do not wait for the anniversary if you cannot afford the next payment, face redundancy or receive money you must report. Tell the supervisor promptly.
If you cannot provide something in time
Contact the supervisor before the deadline, explain the problem and ask what alternative evidence or extra time can be accepted. Keep a copy of the reply.
Failure to cooperate can lead to a breach or termination. If you disagree or the arrangement is no longer sustainable, ask for a written explanation and get independent free advice.
What to do next
Free, independent debt advice
These services are free. They will not judge you, and they can look at your whole situation.
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Call free: 0800 138 1111 (number checked on their website on 24 October 2026)
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Call free: 0808 808 4000 (number checked on their website on 24 October 2026)
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Call free: 0800 144 8848 (number checked on their website on 24 October 2026)
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Related guides
- Missed an IVA payment or need a break?Contact your IVA supervisor early. Understand payment breaks, changes, breach notices and the papers to check without a new sales journey.
- IVA failed: check the notice and get helpUnderstand breach versus termination, the papers to check and where to get free advice after an IVA ends. No automatic replacement IVA recommendation.
- Find free debt and housing helpFree, independent debt advice and urgent housing help in England and Wales: StepChange, National Debtline, Citizens Advice, Shelter and more.