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IVA with RBS One Account

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Hi,
I am hoping someone can answer my question on here before I have to ring rbs... I have been in touch with payplan to try and get in control of my debts and I told the lovely man that I am interested in going into an iva because I like the idea of being debt free at the end of a certain time... I am also quite aware of the pitfalls and the damage this will do to my credit file and I am not going into this as lightly as I might sound. Anyway sorry for going on but the man at payplan said he is not sure if I would be allowed to enter an iva because my mortgage is a rbs one account... And i am now waiting till Monday for him to speak to his team lead. Has anyone got any ideas about this. Thanks in advance :)
Currently owe around £37 k

:) and I'm still smiling...
One day at a time... I'm determined to get there...
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