House sale equity for debt use query. Help needed

petermog

I had a bad gambling problem a few years ago and have since been paying my creditors regularly through step change.

I am currently in the process of negotiating with my creditors a share of the capital from my recently sold house. I seem to remember seeing somewhere about being able to keep a percentage for reasonable personal use.

Does anyone know what I can claim as justified sums. I have cleared most of my debt at around 25% of the debt as full and final payment but a few creditors are playing hard ball and expect more so stepchange is approaching them for me and need to know what the rest of the money has gone on so I have to justify any saved/spent amount.

So far I have been able to clear nearly 40k of debt with just 12k capital and stepchange have 11k for the remaining 36k.

Any official figures I can use in my argument for keeping some funds would be appreciated