Littlewoods and Grattan didn't vote at my meeting - they were much smaller creditors than the others.

Thanks Emma, it's certainly a relief after all these years of trying (and failing!) to get my head above water!

Yet more questions I'm afraid... before my IVA was agreed I set up new bank accounts with Barclays and Natwest, who I had no debt with - no overdrafts or anything, just basic accounts with cash cards, and one with a debit card. I want to use 3 accounts to organise my money - one with a debit card fo...

Caraf, I don't have the final figures to be able to work out how many pence in the pound it worked out at - the IP had to reduce their fees, and I'm not sure what the total amounts outstanding are, but I owed a total of about £43k, about £17k of which was to Egg, and am paying back £400 a month for ...

Just to let you all know... it's finally been approved! Egg agreed to the £400 in the end. Such an enormous relief - thanks to everyone for all your support the last few weeks, it's been so helpful to have somewhere to 'talk' about it!

I don't know the exact figures that I owe including interest (I presume the IP has obtained these figures from my creditors) but I'm sure that the amount I owe to Egg is below £25,000. My biggest creditor is HSBC which off the top of my head is in the region of £23k, and they voted yes with an incre...

I did look into the possibility of a debt management plan, but it would take me so long to pay back what I owe it didn't seem a realistic solution. I got the impression that I'd have to spend many years keep renegotiating with creditors etc. I had of course been trying to avoid bankruptcy, but I'd r...

I still don't have a decision - Egg came back asking for more details about what sort of car I run, how far it is to work, how often I go to hospital etc. My petrol allowance had been bumped up to cover such things as parking at the hospital (it can cost me up to £5 a time) so the figure does appear...

Still no decision 3 days after creditors meeting - I'm going mad! Egg have now said they require £427 a month. During my initial consultation with Clearstart, they calculated my disposable income available to go towards the IVA to be £303 a month, then when the proposals came through it had gone up ...

I'm using Clearstart. I haven't worked out exactly how much in the pound it is that HSBC have accepted, but given that my offer of £350 a month equated to 28p in the pound, and Clearstart worked out I'd need to pay £460 a month to meet HSBC's 40p in the pound hurdle (when I confronted them about tha...

If I remember correctly if was stated in the proposal - there was additional allowance for prescriptions, which they've not queried. Still waiting for an answer - it's driving me nuts!

No! I usually spend at LEAST £70-£80 a month on petrol, sometimes more. I have a disability that means I cannot walk very far so use my car for everything including frequent trips to and from hospital as well as work! It seems mad that they can decide how much I spend on petrol...

They've said my shopping/household items allowance is too high at £170, and my petrol is too high at £100, and the allowance for pet care/vets bills is too high at £30. They may well be, but I've tried to factor in a very small amount for things like christmas, birthdays, and the very strong possibi...

I am sticking at £50 more. I know that I would not be able to maintain any more than that long-term, and although the thought of bankruptcy horrifies me, I'd rather go bankrupt now than struggle to maintain an IVA payment I can't afford and end up going bankrupt anyway. If I do end up becoming bankr...

Well I've just sat down and worked out the exact percentages...

HSBC 53%
Egg 39%
Capital One 6%
Other minor debts 2%

So basically I need Egg to agree, cos even if all the others say yes that's only 61%. I'm a nervous wreck waiting to hear!