Following from the above post should say assets of 1,000 pounds or less

The usual terms in a proposal state that creditors who didn't receive notice of your proposal are still bound by the terms of the arrangement. Depending on the estimated claim amount of additional creditor(s) it may result in a creditors' meeting to vary the proposal.

I concur with Foggy. Your surplus seems to be too high for a DRO which must be a maximum of £50/month. It does seem a simpler solution if you don't work in the financial industry so there are no adverse effects for your current and future employment. Another criteria for a DRO is to have assets of £...