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Bitten the bullet

Today I have finally bitten the bullet. Paid the money and submitted the application.  I came to this forum a bit late but I did speak with stepchange. I feel relieved but anxious about whether it will be accepted. It says they will run a credit check but my score is currently good.  It has already warned me that there is likely to be an ipa.

What is the liklihood it will be rejected?

How do they factor in my pip?  Can I ring-fence my car payment as I get the lower mobility element?
I'm Ever hopeful!
:j:j:j:j

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