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  • FIRST POST
    • Singlemumm
    • By Singlemumm 9th Nov 17, 5:26 PM
    • 24Posts
    • 1Thanks
    Singlemumm
    reasonable expenses single 1child
    • #1
    • 9th Nov 17, 5:26 PM
    reasonable expenses single 1child 9th Nov 17 at 5:26 PM
    Hi all,
    I am new there.pls pls I am very shocked and getting ill about it.
    I complete my BR application and week ago OR made me bankrupt.
    I have big debts from my past,left after my ex broked my life.I decide to go bankrupt.
    well I have BRO now,and I was expecting to have interview at least by phone but no!I just received yesterday letter with IPA that is £387 35months!
    My income is 1630 and expenditures nearly the same.My ex do not help financialy so how I can afford to pay nearly 400/month?
    pls pls guys advice what to do in this case.
    OR said you just gave numbers,and many things has been not allowed and he even did not explain that.
    it is worth to not sign agreement and try to get lower IPA?
    THANK YOU ALL IN ADVANCE
Page 1
    • Singlemumm
    • By Singlemumm 9th Nov 17, 6:17 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    • #2
    • 9th Nov 17, 6:17 PM
    • #2
    • 9th Nov 17, 6:17 PM
    please someone advice.I getting sick:/
    • IAmWales
    • By IAmWales 9th Nov 17, 6:45 PM
    • 1,631 Posts
    • 3,386 Thanks
    IAmWales
    • #3
    • 9th Nov 17, 6:45 PM
    • #3
    • 9th Nov 17, 6:45 PM
    What are the figures you gave and how has the OR adjusted them?
    • Singlemumm
    • By Singlemumm 9th Nov 17, 7:47 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    • #4
    • 9th Nov 17, 7:47 PM
    • #4
    • 9th Nov 17, 7:47 PM
    no idea how he has ajusted them,he not provide details.
    my rent is 372,council tax 58,gas/electricity 60 in total,water 18,my and child phones 40,tv licence 12,internet 18,opticians 16.67,transport and travel£120(month passes £60 for each),uniforms /school meals/trips£144,clothing/footwear/personal/laundry cleaning £200,all groceries and housekeeping£600.
    I have put all numbers as they are
    • Singlemumm
    • By Singlemumm 9th Nov 17, 7:53 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    • #5
    • 9th Nov 17, 7:53 PM
    • #5
    • 9th Nov 17, 7:53 PM
    we do live in share house,so bills are shared,I gave very clear numbers,well,if i was alone,I can be fine with £1000 per month,but I am care about my daughter.
    • Singlemumm
    • By Singlemumm 9th Nov 17, 7:58 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    • #6
    • 9th Nov 17, 7:58 PM
    • #6
    • 9th Nov 17, 7:58 PM
    I never thought I will have to pay so giant amount for my ex mistakes etc.
    anyway,now I just want to afford as good as possible to start new life,I never been job seeker,always been working full time and dont think is too much if i will ask a bit to low my IPA.just dont know how this works and why there been no interview at all!
    I found in my application OR has done notice to creditors that says "i will not contact with you anymore as there is no chanches to get debts paid even partialy"or smtng like this.
    so when then ~£15k will go if he ask me to pay nearly 400 36 months..
    well..I really need support and what best in my case I can do
    • iammumtoone
    • By iammumtoone 9th Nov 17, 8:44 PM
    • 5,244 Posts
    • 10,867 Thanks
    iammumtoone
    • #7
    • 9th Nov 17, 8:44 PM
    • #7
    • 9th Nov 17, 8:44 PM
    no idea how he has ajusted them,he not provide details.
    my rent is 372,council tax 58,gas/electricity 60 in total,water 18,my and child phones 40,tv licence 12,internet 18,opticians 16.67,transport and travel£120(month passes £60 for each),uniforms /school meals/trips£144,clothing/footwear/personal/laundry cleaning £200,all groceries and housekeeping£600.
    I have put all numbers as they are
    Originally posted by Singlemumm
    I think you need to post on the debt free board they will help you

    I dont know about bankruptcy someone else can advise on that but you expensives are high

    144 a month (1728 per year) for school dinners trips uniform is alot - make sandwiches / uniform is only needed once a year how much it is? how many school trips? what is this per year? does your child have to go?

    200 per month on clothing is alot when you can't afford it

    600 per month for two people on food/laundry, sorry but that's crazy you can cut this down to 200

    I am single with one child I have approx the same monthly income as you. If I put my mind to it and lived more frugally I could easily save 387 per month.

    Do not panic post on other areas of the site they will help you get your spend down. Look on the old style board to see how to save on you grocery/household bill.

    Good Luck
    • iammumtoone
    • By iammumtoone 9th Nov 17, 8:48 PM
    • 5,244 Posts
    • 10,867 Thanks
    iammumtoone
    • #8
    • 9th Nov 17, 8:48 PM
    • #8
    • 9th Nov 17, 8:48 PM
    we do live in share house,so bills are shared,I gave very clear numbers,well,if i was alone,I can be fine with £1000 per month,but I am care about my daughter.
    Originally posted by Singlemumm
    A child does not need to cost £600 extra per month. No one is saying you dont care about your daughter caring does not mean spending money on children. How old is your child people will help you with suggestions on what you can do for free/low cost days out etc.
    • Singlemumm
    • By Singlemumm 9th Nov 17, 9:01 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    • #9
    • 9th Nov 17, 9:01 PM
    • #9
    • 9th Nov 17, 9:01 PM
    my daughter is 14.
    • Singlemumm
    • By Singlemumm 9th Nov 17, 9:04 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    well uniform is 300/year, if you buy 3.
    expenditures are average if you divide whole cost by 12.
    i really not looking how to avoid to pay disposable income but I was honest when I filled the form
    • iammumtoone
    • By iammumtoone 9th Nov 17, 9:18 PM
    • 5,244 Posts
    • 10,867 Thanks
    iammumtoone
    i really not looking how to avoid to pay disposable income but I was honest when I filled the form
    Originally posted by Singlemumm
    But you are asking how you can afford 387 per month.

    If your figures you are have given are accurate then by cutting back you can afford 387 per month.

    I am not saying it going to be easy but it is doable so don't panic. Go and post your SOA on the debt free board and explain the amount you need to find. No one will judge they are all really helpful and they will come up with ideas and suggestion to help you so you can manage.

    In the meantime someone will be along to help with your original question regarding the OR I am just trying to reassure you that you will be ok, even at the worse and you still have to pay the original amount there is room in what you have posted to do it.
    • Singlemumm
    • By Singlemumm 9th Nov 17, 9:20 PM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    thank u.
    I will see how is going.
    just wondering if worth to negotiate amount or just sign agreement.
    other things makes me nervous,I do require big expenses on dental treatment and cannot proof it until it not done.
    what about if I need to buy something as new bed or just something like this?
    I cannot know at the moment what I will need,so in this case its possible in some point to have lower payment?
    I am sorry if this sounds bad but I just not well atm,but life is not finish
    • iammumtoone
    • By iammumtoone 9th Nov 17, 9:37 PM
    • 5,244 Posts
    • 10,867 Thanks
    iammumtoone
    just wondering if worth to negotiate amount or just sign agreement.
    Originally posted by Singlemumm
    Wait for someone to come along who knows about these things to advise on that

    other things makes me nervous,I do require big expenses on dental treatment and cannot proof it until it not done.
    what about if I need to buy something as new bed or just something like this?
    I cannot know at the moment what I will need,so in this case its possible in some point to have lower payment?
    I am sorry if this sounds bad but I just not well atm,but life is not finish
    Originally posted by Singlemumm
    Yes they are valid concerns everyone has those concerns you are not alone in that, you will manage there is always a way.

    Dentist - find an NHS one
    Bed etc - Charity shops / freecycle / ebay these will be your friends most things are available secondhand at a fraction of what they cost new.
    • GazHatesBanks
    • By GazHatesBanks 9th Nov 17, 9:55 PM
    • 149 Posts
    • 152 Thanks
    GazHatesBanks
    You are perfectly within your rights to ask for details on how they have calculated the IPA and challenge it if it is wrong. However, your expenses do look high (without knowing your circumstances). Particularly

    1) School expenses @ £144/month
    - How much are school meals per day/week?
    - School uniform @ £300/year = £25/month
    - How many trips at what cost?

    2) Clothing @ £200/month - This is high especially as uniform is included in above.

    3) Groceries @ £600/month - Again this is high especially as your child has school meals.

    Unless there is a good reason, these expenses are likely to have been reduced significantly.

    On your figures, you already have a £90 surplus, so the OR has cut £297 a month from your allowed expenses.

    If you are not happy with the amount, do not sign it yet until the OR confirms what the calculation is. Remember that an IPA is an AGREEMENT

    If you do have a high IPA and an expense comes up you can always speak to the OR who will normally allow a break/reduction in payments. Note that the expense has to be a need not a want. As an example, to pay for a level 3 NHS treatment at ~£240 (e.g. crown) would be acceptable - dental implants would not be.
    • debt doctor
    • By debt doctor 9th Nov 17, 10:02 PM
    • 4,161 Posts
    • 5,828 Thanks
    debt doctor
    Hi,
    Thanks for your PM.
    I wonder - did you take any advice before declaring your bankruptcy - and if so, who from?
    I am working on you plus a 14 year old child - is this correct - and also no car.
    Looking at the figures, I'm afraid you will end up with a sizeable IPA. In my view you could offer to pay an IPA of £250pm. The OR might then decide that it is easier to accept your offer rather than considering the cost and time of them potentially going to court to attempt to obtain an IPO (IPA but through the court).
    No one can force you to sign an IPA - but the negotiation has to be worth the OR accepting.
    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • tomconfused
    • By tomconfused 10th Nov 17, 12:08 AM
    • 11 Posts
    • 4 Thanks
    tomconfused
    Hi, don’t panic. What you need to do is start your sums again. Think carefully about what you need. Break down every payment. If you can’t afford to live without the extra 200-300 pounds then why not? This needs to be explained in clear black and white maths. Looking at your breakdown you have generalised too much which is why you are not clear on why you need the money.

    For example they are never going to agree to your breakdowns. Be more specific.

    Rent = xx
    Council tax =xx
    Gas= xx
    Water =xx
    Elec =xx
    Phone bill = xx you are allowed a phone £30 seems reasonable
    Internet/ tv package = £40 seems reasonable
    Food for x2 = 250
    Toiletries x2 =30
    Sanitary products x2 =15? I’m a man no idea
    Haircuts x2 £40
    School uniform = £25 per month x 12
    Clothing you = £45
    Clothing daughter = £45
    Tv license = £11 per month? I don’t know check
    Travel x 2 for work and social and school = 250
    Contingency =50
    Dentist = £15 per month x 12 for year
    Glasses = £10 per month
    Prescription = £8?
    Xmas savings for child £10
    Leasure for child = 35
    Washing powder/cleaning products £15
    Cat food = £10
    Home insurance £15
    Stationary for school £5 - all adds up


    Get the picture?

    If you can reasonably justify what you need then that’s what you need. But they are never going to let you have that clothes budget or food that general.
    Last edited by tomconfused; 10-11-2017 at 12:17 AM.
    • Singlemumm
    • By Singlemumm 10th Nov 17, 5:27 AM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    thank you so much everyone.
    I did advice before I was going to bankrupt and I even paid for it and not small money.
    well,your answers were very helps,and seems I can to pay a bit less IPA then nearly £400.
    Yes,I dont have a car,and my traveling expenses £120 for our both montly ticket.
    I see I can put down my foods but then IPA will be even bigger.
    I will sent letter with no signed agreement tomorror or Monday.
    what you guys will suggest to include in this letter?
    how is better to explain I can pay less ?
    abouth dentist..I was in touch with my NHS doctor.
    Treatment I need is not covered under NHS even there are crowns.
    Dentist has offerred best price £3500 and I have refused as doesnt have that money.
    To get same treatment broad £2000 just saying.
    • Singlemumm
    • By Singlemumm 10th Nov 17, 5:28 AM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    If I will offer to OR to pay lets say £250,how to explain it in the letter?
    • Singlemumm
    • By Singlemumm 10th Nov 17, 6:10 AM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    Hi all,

    Before I am going to work, I will add details from my income and expenditures what I have filled when made app online.
    INCOME 1673( salary 1357, Child benefit 81, Child tax credit 235)
    EXPENSES 1672.68 :
    rent- 373/month
    tv licence - 6/week
    council tax - 56/month
    gas - 30/month
    eletricity - 30/month
    water - 18/month
    opticians - 16.67/month
    Groceries -110/week
    toiletries- 12/week
    (food and housekeeping per month 615,34)
    meals at work - 20/week
    public transport-120/month
    School uniforms -300/year
    school meals - 20/week
    after school clubs and trips - 35/month
    clothing and footwear - 30/week
    hairdressing - 40/month
    internet tv - 19/month
    2mobile phones - 40/month
    laundry and cleaning - 12/month
    • Singlemumm
    • By Singlemumm 10th Nov 17, 6:13 AM
    • 24 Posts
    • 1 Thanks
    Singlemumm
    Any comments will be helpful, guys. Dont know why but I slept last night i a bit better.
    Just wondering if OR will sent me calculation how he had adjusted it, as yesterday he said there is no reason to discuss etc. As mentioned above, there even wasnt any interview that I had expected.
    So should I wait if he will sent me details or just to reply to his letter and explanation why I am think is a bit too high IPA?Details I am already submited on my application is changeble?
    If I will cut foods expenses but will add something this will help?This is allowed?
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