Here are some examples of reported unfair creditor behaviours that raise concern. This is not an exhaustive list and the information has been provided by insolvency practitioners regarding actual cases rejected.

HSBC has an arbitrary minimum threshold of 40p in the £.

RBS have an arbitrary minimum threshold of 25p in the £.

Student Loans have an arbitrary minimum threshold of 80p in the £.

HFC typically requests higher contributions to a level that the debtor cannot afford

KPMG who vote on behalf of Abbey, Barclays, Blackhorse Lloyds and MBNA do not consider IVAs which include benefits. This is despite the fact that these lenders have loaned money to the debtors on benefits in the first place.

MBNA wants to stand outside any arrangement at all and get paid separately outside the IVA.

Blackhorse have historically refused to accept any IVA where the debt was less than 12 months or greater than £5,000.

Northern Rock whispers that they seek to reject as many IVAs as possible and refuse to provide reasons for rejection.

Link Finance normally will reject all proposals irrespective of the level of dividend.