Ian Holland practices as the principal of Ian Holland & Co - what appears to be a small practice operating from Pinnar. His e-mail address is
idh@ianholland.co.uk.
I am therefore confused as to your reference to Money, Debt and Credit. Is there a link between these companies - and did Money, Debt and Credit refer you to Mr Holland?
Northern Rock should not be splitting your mortgage payments between the loan and mortgage, and if they are included in the IVA they will already have details of your IVA proposals - assuming that your IP sent them copies to enable them to vote. There is a very helpful team in Northern Rock's insolvency department who will sort this out for you promptly. I do not know why they need details of your IVA, if the loan is only in your husband's name - but these loans are normally given on a joint basis, so this is even more curious.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp