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    For some Britons, servicing their debt is difficult even before repayment is taken into account, an expert has warned.

    Sean Gardner, chief executive of MoneyExpert.com, said many people are feeling the "pinch" of five interest rate rises since 2006.

    He said those already in debt will find it increasingly hard to "drag themselves into the black".

    "As your disposable income decreases, the hardest hit are those who owe money as simply servicing your debt can become a burden, let alone paying it back," warned Mr Gardner.

    For borrowers who are struggling to make repayments or meet interest demands, one option is an individual voluntary arrangement (IVA).

    An IVA is a formal agreement between a debtor and their creditors whereby they make an affordable monthly repayment for a set period after which any remaining debt is written off.

    Such agreements are arranged via the courts so creditors cannot demand a higher rate of payment and may have to freeze interest on the amount owed.

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