Results of my OR interview

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peachyprice wrote: »

Under Income - Othere sources you
1, 276 (CB)
But this doesn't get taken into account when the form calculates, you'll get the same result if you leave this box blank.

]

Peachy, you dont enter CB at all in that calculater as the instructions state, bu i have just noticed that field income source four is excluded from the calculation, which im sure is an error.

The IS cant even get there own spreadsheet right:rotfl:

peachyprice

BaaB, according to the notes as I read it goes here, but if you put it here, or leave it off altogether it makes no difference to the calculations

MONTHLY INCOME - Other sources (against which IPA/IPO contribution cannot be calculated)
INCOME SOURCE 1 276
INCOME SOURCE 2
INCOME SOURCE 3
INCOME SOURCE 4

blind-as-a-bat_2

peachyprice wrote: »

BaaB, according to the notes as I read it goes here, but if you put it here, or leave it off altogether it makes no difference to the calculations

MONTHLY INCOME - Other sources (against which IPA/IPO contribution cannot be calculated)
INCOME SOURCE 1 276
INCOME SOURCE 2
INCOME SOURCE 3
INCOME SOURCE 4

Hover over the triangle above that it still says dont enter CB

Possible income sources against which contribution should not be calculated :
Spouse or partner/adult children. For full guidance see chapter 31.7 Part 2.

NOTE : Child tax credit should be included in bankrupt's income above
NOTE : Child benefit should not be included at all.

I think it means because it could be a non BR,s income so cant be assesed for an IPA, but can be used to increase the BR,s surplus, if you see what im saying

peachyprice

Yes I see what you mean, I guess it depends how you read it!

peachyprice

MollyBear wrote: »

I've put down that all the outgoings are shared and it comes up like this:

Total Outgoings 2,334


Bankrupt's disposable income 358

Percentage to be collected 66

Assessed monthly payment rate 236


This is probably where he got the £240 from then??

Molly, try it again without CB on there at all, as BaaB quite rightly pointed out it shouldn't be and you'll get a monthly payment of £61.

I've tried it every 'legitimate' way and this is the most I can come up with. He's either incredibly stupid and has read the notes concerning CB incorrectly as I did, or he's putting stuff in boxes to manipulate the figures on purpose.

blind-as-a-bat_2

peachyprice wrote: »

Molly, try it again without CB on there at all, as BaaB quite rightly pointed out it shouldn't be and you'll get a monthly payment of £61.

I've tried it every 'legitimate' way and this is the most I can come up with. He's either incredibly stupid and has read the notes concerning CB incorrectly as I did, or he's putting stuff in boxes to manipulate the figures on purpose.

You have reached the same conclusion as i have Peachy, i honastly cant think of any other way to get it any higher without including CB or duplicatin the CTC on both the BR,s income and the partner,s, (or other sources), bit which is obviously wrong.

Now i know an examiner has included CB before in error so seems the most likely ( im being charitable in that statemant :rolleyes: )

skylight

:iloveyou:



I love this place! (And its not even my thread!)

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MollyBear wrote: »

The CTC is in both names, the OR said I didn't bring in enough for an IPA but hubby does.

!!

CTC is not paid to both, its paid to the applicant, so should be included in there I&E only, as far as i can see, unless anyone can point me in the direction of anything that says otherwise as i cant find anything

peachyprice

blind-as-a-bat wrote: »

CTC is not paid to both, its paid to the applicant, so should be included in there I&E only, as far as i can see, unless anyone can point me in the direction of anything that says otherwise as i cant find anything

I'm not really sure Bat it may have changed after the almighty !!!!-up? I know I used to get the credit when they did it through PAYE, and I had to pay all the overpayment pack myself:rolleyes: , but now we both have to fill forms in and both incomes are taken into account, and we both get letters telling us how much we're getting, but it's the same amount on both letters.

Having said does Molly even earn enough to pay tax, let alone get credits? If not logically it all has to be Mr Molly's, they can't give you tax credits if you don't pay tax!

RAS

MollyBear wrote: »

I know, I suppose they seem to think that our kids cant have a better quality of life because their parents cocked up.

......... I would rather lose the home and car maintenance than xmas and birthdays.

Molly,

I suspect that this will come out in the wash once the Child benefit is removed but having been on the small end of bankruptcy myself, I think it is important to accept that your children will get less stuff and different experiences.

It does not really matter whether you get money in the I&E for house maintenance or for presents, you decide how it is spent after all

The children will still get a hell of a lot more than half the kids in the UK, whose parents are on benefits but they will have to learn that you cannot borrow money, that holidays and presents need to be reasonably priced (if they even understand price yet) and that you have to have the money in hand.

You will need savings, because the rainy day cannot be covered on plastic; there will be times when they have to wait until you have saved up for something and you may be more concerned than other parents when they wreck clothing or other items if it affects your cash flow.

On the other hand they may well learn better financial skills and to value thing other than stuff which stand them in good stead. They may also learn to value stuff if it cannot be replaced in an instant.

They can only have what you have got. A better standard of living starts with a comfortable home and the opportunity to experience different places. Presents do not matter that much in the long run, although I know someone whose Christmas list routinely runs to thousands (not that he gets them).

I can only remember about three presents I was bought as a child; what we share today are our memories of camps, damming streams and paddling in rivers, stealing strawberries, getting stuck up trees, being angels in the nativity play, watching Doctor Who from behind the sofa and odd days out.

The really valuable things cost almost nothing - camping in the garden, mucking about together, making cakes or scones, chats over bed time drinks, blackberry picking, stirring the Christmas pudding, making paper chains together, bed-time stories and splashing in puddles. You have in common what you share together, not stuff.

Being a good or even better parent is about all those little things not about how much you spend on their pressies. You do not need much money to do them.