NR do accept IVAs although this is generally on terms that comprise a hard bargain. Often, for example, they issued loans for (say) 10 years. If you have 8 years remaining as an example, then a 5 year IVA proposal is a complete waste of time. They will want at least 6 years, if not 7.
I have a number of issues with what you are being told. I note that the young lady working in a DMP company, who presumably has no insolvency qualifications at all, is indicating that everything you have been told by Synergie (whom I do not know and therefore have no axe to grind) is wrong. I assume she has seen the proposal and has pointed out its defects to you. If not, how can she tell you what is wrong with what has been done? Has she ever worked on an IVA, or is she just a DMP salesperson? What guarantees have you been given that NR will accept the DMP?
For my part, I can tell you that the position of a licensed IP is a very onerous one. Whilst the IP may merely be an employee of the company he works for, he or she assumes personal legal responsibility for your proposal and any complaint you make should be against him or her personally to the licensing body. Unless there is a realistic prospect of acceptance, best practice requirements suggest the proposal should not see the light of day. Speak to the IP named in the proposal and get a full explanation as to the reasons things went pear-shaped, before drawing any conclusions.
I assume there was a reason you originally chose an IVA over a DMP. That reason may well still be valid. Speak to an IP (make sure you speak to the organ grinder) about your situation. Be prepared to provide a copy of proposal number 1 as a properly constructed second proposal is not entirely out of the question, but make sure it's on terms that any monies paid will be refunded if the VA is rejected i.e the IP puts his or her money where the mouth is.
Hope this helps
Ian
Ian Millington
Insolvency Director
PDHL Ltd (formerly Personal Debt Helpline Ltd)
www.pdhl.co.uk