Hi Adam
I am curious as to the basis of your offer, as you appear to be paying in more that you actually owe. This sort of offer is usually not favoured by creditors, who will feel that they are suffering to the extent of IP fees - which could be avoided if you were to pay the creditors directly through a DMP or merely arrange for reduced affordable repayments.
I really think that Egg may have an issue with this, so suggest that you get your IP to run the principle of this offer by them in the first instance.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk