More Questions

queenie1_2

Sorry a couple more questions.

My ex left me and is no longer cotactable, so i am going BR do i include all our joint debt? and will they then just deduct my half and chase him for the rest? If they do then chase him for the money, do i still pay IPA?

Can someone send me the link to the % of surplus for IPA?

Thank you

tigerfeet2006

You include all debts that have your name on, joint and single. They will chase him for the full amount of the debt .You will pay an IPA if you have a surplus of income over £99 after all your essential outgoings have been met.. If you pop up your i&e WE CAN CHECK IT OVER FOR YOU AND GIVE YOU SOME IDEA IF YOU ARE LIKELY TO PAY ONE (oops caps!!)

Will try and find a link to the percentages for you.

queenie1_2

thank you for this x

tigerfeet2006

No problem. Couldn't find the link but I am sure someone will have it.

queenie1_2

Hello Please can you look at this and tell me what you think?

Income = £1150.00 per month after tax.

Ex = £1016.00 suplus £134.00

I share a house with someone who pays some money to the bills but i pay the most!
Rent £410.00
C tax £60.00
water £18.00
water £11.00
Elec £60.00
TV £7.00
Mob £50.00
Cats x 2 £20.00
Clothes £40.00 (work)
Hair £25.00
Dry cleaning £10.00
Kickboxing £25.00
Dentist/pers £30.00
Holidays £20.00
Xmas/bday £40.00
Food/ h hold £190.00

What do you think?
Thank you for your time Tina

shadowdragon

queenie1 wrote: »

Hello Please can you look at this and tell me what you think?

Income = £1150.00 per month after tax.

Ex = £1016.00 suplus £134.00

I share a house with someone who pays some money to the bills but i pay the most!
Rent £410.00
C tax £60.00
water £18.00 (why two water bills?)
water £11.00
Elec £60.00
TV £7.00
Mob £50.00 (wont let you have this too high)
Cats x 2 £20.00
Clothes £40.00 (work)
Hair £25.00
Dry cleaning £10.00
Kickboxing £25.00 (not allowed)
Dentist/pers £30.00 (too high)
Holidays £20.00
Xmas/bday £40.00 (doubt this will be allowed)
Food/ h hold £190.00

What do you think?
Thank you for your time Tina

ill try find the link to my IandE as you probably missed stuff off but I cant remember off top of my head.

edit :heres a link to mine for reference http://forums.moneysavingexpert.com/showthread.html?t=974121 based on two people

queenie1_2

Hello Thank you
Water is two bills one for waste and one for drinking (south east water and midkent water)

My m phone is £50.00 as no land line and i have the mobile internet on it now.

Kick boxing, will this be allowed if doctor recommends it for weight loss? think i read it on another thred.

Thank you for your link. can i add travel for public transport as i dont drive?

Tina

shadowdragon

queenie1 wrote: »

Hello Thank you
Water is two bills one for waste and one for drinking (south east water and midkent water) (Sorted then :T)

My m phone is £50.00 as no land line and i have the mobile internet on it now. (Internet wouldnt be allowed unless needed for work)

Kick boxing, will this be allowed if doctor recommends it for weight loss? think i read it on another thred. (prob need to speak to OR about it and will need supporting evidence like a letter from your doctor)

Thank you for your link. can i add travel for public transport as i dont drive? (yes within reason, shopping/travel to work ect)

Tina

Hope that helps, redo your I&E and put a revised one up, we will tweak it til its spot on.

queenie1_2

ok thank you here it is again
Rent £410.00
C tax £60.00
water £18.00
water £11.00
Elec £60.00
TV £7.00
Mob £30.00
Cats x 2 £20.00
Clothes £40.00 (work)
Hair £25.00
Dry cleaning £10.00
Travel/work/sopping £15.00
Kickboxing £25.00 with docs permission!
Dentist/pers £15.00
Holidays £20.00
Xmas/bday £40.00
Food/ h hold £190.00

Total £996.00 surplus av £154.00
What ya think now? x

tigerfeet2006

Just to clarify, anything that the OR won't allow on your I&E you can pay for out of any surplus you have after your IPA has been paid.

With the mobile I would be inclinded to leave it as it is at £50. Write a note to say you have no landline and see if the OR reduces it at all. If he does it might not be as much as you would. Don't mention the internet, it slipped your mind.

Hairdressing is £10 per adult.

Do you really only spend £15 on travel?

shadowdragon

Remove the Cats and put that into your Food household expenditure, otherwise the OR will take it off. I have also read that the xmas/bday may be taken off by the OR!! and might not be allowed. Add perscriptions for 10 per month (prepay scheme). Your Travel expenses are a bit low, do you take a bus to work? if so how much per trip and how often, 15 seems a bit low for that!!! Do you go through 10 per week in work clothes, whats your employment!!!

I suppose the OR could argue that the Kickboxing could be replaced with an exercise on perscription, which you pay a nominal amount (a few pounds) to visit the gym for exercise.

sorry if im being negative, just trying to think what the OR would say.