The Debenhams store card is provided by Santander so not a shock they voted no as they are total ?!£?£?"£?£!!!!! My missus works for Debs and they are always having problems with them.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
It is all dependent upon who votes. You need 75% by value to vote yes on the date. As long as that happens then the IVA will go through. Your IP would not put forward a proposal unless they thought it was going to be accepted.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk