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Yogi learns from Akari that Nai and Gareki are deployed to Vint, a wildlife reserve for rare and endangered species, though there have been many reports of poaching. Akari catches Azana deleting data from the computer, as Azana exhibits an inferiority complex and tries to convince Akari to switch over to Kafka as the superior organization. At the end of the second episode of the anime, however, it is implied that Karoku is held somewhere by Kafka.

The Second Ship's 25-year-old Lieutenant. However, despite his arrogant and distant attitude, he does have a more caring side that he does not like showing, seeming to have a soft spot for his friends on the second ship and Nai. Of more than 400 videos the team looked at which directly promoted IVAs or linked to IVA websites, more than 75% appeared to breach Advertising Standards Authority (ASA) rules. The team heard high pressure sales tactics being applied in some cases, with a reference to bailiff action if a potential client didn't go ahead.

It said it had concerns about "irresponsible ads" and was "continuing to monitor and take action where they appear". They expressed concerns about the affordability of her IVA payments because it was set up when her outgoings were smaller because she was living with her mother. The government agency the Insolvency Service acknowledged there are concerns about the use of IVAs, but said when used appropriately they are an "effective way for someone who is in financial difficulty to… pay their creditors".

With prices rising, she says she has found it harder and harder to make ends meet and has had to use a foodbank for the first time. She says she answered some questions from Mums in Debt on Facebook Messenger and a representative gave her a call. It promised to write off up to 85% of debt. The BBC asked three independent debt advisers to review Shauna's case. Experiences like Shauna's are familiar to Morgan Wild of Citizens Advice.

The BBC wrote to Mums in Debt about Shauna's case but did not receive a response. It added that adverts promoting debt consolidation and debt assistance programs, which IVAs fall under, "are not allowed on our platform and are removed". People taking out IVAs can iva payments be reduced sometimes pay thousands of pounds in frontloaded fees. Fourteen other people who said they had signed up to IVAs after seeing social media posts also told the BBC they were struggling with repayments.

Information and support is available and free of charge - click here to find out about organisations who may be able to help. Eliška wanders off and accidentally comes across Tsukumo, who is forced to escape after Eliška lets out a scream. The person in debt agrees to make payments to an insolvency practitioner (IP) who is authorised to act on behalf of people in financial difficulty. The posts claim to help end money worries but charities warn some companies are misleading people who are struggling.

They typically earn up to about £1,000 in fees for finding a customer who signs up to an IVA. He says cracking down on social media content is "much needed", but also calls for greater regulation of the IVA sector itself. After three years of repayments, Shauna now says she feels "manipulated" by the claims she saw on social media and says she would not have gone ahead with the IVA if she had known about other options.