Thanks for all the replies. My case officer put my concerns to my IP who basically agreed with the calculation of equity but is willing to put it to the creditors for their decision as he cannot take the decision himself. However she did say if the creditors don't agree they can make me bankrupt and...

I have two more payments to make into my IVA and for the last few months have been in a stressful battle with Payplan regarding my equity release. 85% LTV shows my equity at £1390 which is how it is calculated by the example on government IVA protocol but Payplan are saying this is wrong and my equi...