Can I still have my internet and mobile phone contract?

josephine1_2

Working through the process of getting the money to go bankrupt after great advice from you guys But here's another quick question, when we have our new co-op cashminder account as recommended can we still have dd's to pay for our ongoing internet and mobile phone contracts? We live somewhere quite rural, so as a mum of a baby of 5 weeks they are essential for my sanity. Thanks for any advice

debt_doctor

Hi,

Internet is not normally allowed as essential expenditure, but you may be able to prove your need for it.

Mobile's are generally ok up to a reasonable cost. You can have both ( if your phone co agree ) it just might have to come out of your surplus if you get an IPA.

You can have a DD for anything you want - its your account !

DD

december

I think it depends on your OR to be honest. My OR didn't disallow anything on my SOA and just said that he would send a report to Orange even though I didnt owe them anything. Orange haven't contacted me to say that they are terminating my contract so I have left it.

I would have thought if the OR did disallow the mobile phone contract and the internet, if you have a surplus after all outgoings then you would be able to pay for them out of that. (if it's sufficient)

Don't know if this helps at all,

December

josephine1_2

Thank you for your advice. When I rang the national debtline they had no problems with either cost, especially as I'm self-employed and will be resuming work in January. I'm trying to get a clear picture of all the consequences of bankruptcy and how it will affect my day to day life, hence all the questions thanks again