Disbursements to creditors cannot be relied upon as shown on the likes of Credit Karma. These figures, and even statements from the creditors, cannot be relied upon.
I agree that your monthly equivalent is £1300 and I suggest you contact Creditfix direct and forcibly make this point --- refuse cashlights automated nonsense and insist on an old fashioned paper review based on factual figures. If they refuse, make a formal complaint and then escalate this to their regulatory body via the Government Gateway at: https://www.gov.uk/complain-about-insol ... actitioner
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk