It does go to show though that ultimately it is the creditors decision as to whether to accept or not, so for anyone thinking of entering into an IVA it is essential that they speak to more than one firm to get a feel of what is right for them. It is also a good indication of why paying upfront fees for an IVA is not really a good idea, save for those firms which will refund in the event of rejection, as that money which will be lost in the event of rejection could have been put to better use.
No one expects a creditor to be 'happy' at not having a debt fully re-paid , but this looks to be a case of cutting off the nose etc.
If Melanie and her team can't reverse the decision , I doubt anyone can.
At least you can move forward.
Good luck to you and your better half.
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