Has anyone had blackhorse or northern actually vote yes to IVA. I have approx £80 in debt of which £11k is Northern Rock and approx £16k is black horse, i ve heard these are two of the hardest companies to get an iva passed with and seens as together there over 25% of the value it will affect me gai...

I have been initially approved to progress my IVA, im a littel concerned as like ive read i have northern rock as a creditor and the are a nightmare. My Credit is broken down like this Nat west £24k HSBC £18500 First Direct £4k Black Horse £17k Northern Rock £11k 4 Credit Cards £4500 Im just wonderi...