The matrimonial house was to be sold and his share, £2,000, remitted into the Arrangement along with 60 monthly payments of £292. The easy option may have been to go bankrupt (though at the outset of this arrangement, the period of bankruptcy was three years) but being a man of principal, Mr H wanted to avoid this.

Things didn't go well; the sale of the house did not produce any equity and occasionally the payments were a struggle. The arrangement was extended to allow these shortfalls to be remedied.

Dividends paid to creditors totalled 84 pence in the pound and Mr H was satisfied that he had fulfilled his obligations.