Coco
This is appalling - no wonder you are confused.
You need to get whoever you spoke to in Northern Rock to check their records of their instructions to Eversheds. If Northern Rock instructed to accept, but Eversheds changed the goalposts, they will have to justify on whose authority they acted.
Get hold of the lady's name at Northern Rock who you spoke to, as you may need to refer to this conversation again. And as ever let us know how you get on.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk