I'm just starting an IVA and waiting for the creditors' meeting. The largest amount of money I owe is to Natwest bank. Has anyone had any problems with them voting no? I think if they say no to me then I won't get the IVA.

I am just beginning an IVA and waiting for the paperwork to sign and get the creditors' meeting started. I can't help questioning what's the catch? What does the IP get out of this? and while I'm waiting for the meeting and not making any payments, what if they say no and then I'll owe even more mon...