On saying that, I had an IVA rejected a few years ago by a bank because the debtor's wife refused to give up IVF treatment. She had nothing to do with the debts and had a good job but the bank said it was a 'luxury' item but were prepared to allow one more year. I advised the creditor that I was not going to tell a woman who had previously miscarried that she now had a time limit on getting pregnant because of her husband's failed business and they rejected the IVA. The husband was made bankrupt but about a year afterwards they had a child.
So not all creditors have a conscience.
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