ipa

sadlybroke

hello
if this thread been repeated a few times i,m sorry as my computer seems to throw me out every time i,m trying to sent this.
we have had our forms back and we are now refilling them in.Car insurance,car tax,car maintenance, petrol£177 they are not allowing any of this so i,m changing to travelling costs.clothes i,m leaving at £100 even thou they said to high(there own web site says £155.house keeping changing from £600 to £550 as they said to much they reckon £480
rent £120
council tax 50
water 39
telephone 50
tv licensce 12
house ins 23
gas 70
electric 80
travelling costs 80
hair cuts 20
school dinners 80
kids activates 20
hoildays 40
pet costs 10
house keeping 550
clothes 100

shadowdragon

Hi can you clarify is this your I and E for the OR?

If so why are they not allowing Car costs? are they taking your car and saying you dont need a vehicle?

How many is the housekeeping for? Remember prices for food etc has gone up quite a bit recently. So are gas and electricity. You should be able to argue this one.

Add £10 per person for prescriptions.
Add £12 per person for optitions.

sadlybroke

hello
this is fo the or
yes they did exempt the car the car is in my name and my br have gone on to rtlu i think they are waiting on my insurance claim on car(another issue which has become a joke)but no mention so far on any thing else but they have put a ipa on my partner who is the one which works i,m the house husband. theres 2 adults 3 kids 1 dog

Rylynn

Sorry what is RTLU? Is the car wrecked? if not why the insurance claim.

If you have a partner why are her figures not showing on your I&E.

So if NO car allowed and you do not work whose are the travelling costs for?

YOu have not shown any Child Tax credit, working tax credit or child allowance are these all in your OH name? and has she also gone BR?

Think you need to clarify a few things here and then we can make some suggestions for you.

Dentists? not added

School dinners £80 and yet activities only £20 it is £5 per child per month for an out of school activity I think. Someone will confirm that for you.

How old are the kids?

philnicandamy

RTLU?

Regional Trustee Liquidator Unit

http://www.insolvency.gov.uk:8765/cs.html?charset=iso-8859-1&url=http%3A//www.insolvency.gov.uk/DocumentLibrary/Policy/Word/CaseHelpManual/OROS%2520RTLU%2520Protocol%2520D.doc&qt=regional+trustee+liquidator+unit&col=test&n=1&la=en

fermi

shadowdragon wrote: »

Hi can you clarify is this your I and E for the OR?

I think it is to do with the OR in this thread asking for an unaffordable IPA and disallowing needed car/travel expenditures.

http://forums.moneysavingexpert.com/showthread.html?t=1186623

sadlybroke

hello
my br seems to be going ok it,s gone to rtlu.which i been told they are waiting on insurance claim my car was a cosmetic write off(another issue).they told me i can keep car but they want any money on claim if i get it. it is in my name and i,m the househusband i take my missus to work.it was her who has the ipa as both of us have br
monthly
rent £120 wages 367
council tax 50 wtc,ctc 804
water 39 child benfit 175
telephone 50
tv licensce 12
house ins 23
gas 70
electric 80
travelling costs 80
hair cuts 20
school dinners 80
kids activates 20
hoildays 40
pet costs 10
house keeping 550
clothes 100

fermi

Hi sadlybroke.

I'm not the best person with income and expenditures, but I will sit down and have a look through that I&E later on (or at least before the weekend is over).

Rylynn

Incoming

wages 367
Working/child Tax credits 804
Child benefits 175
TOTAL £1346

Outgoings

rent £120
council tax 50
water 39
telephone 50
tv licensce 12
house ins 23
gas 70
electric 80
travelling costs 80
hair cuts 20
school dinners 80
kids activates 20
hoildays 40
pet costs 10
house keeping 550
clothes 100

Total £1344

Means a £2 surplus if my adding up is right!

Okay how many children is this for I have tried to work it out, but failing I know you get £18.80 for first child, but think it is lower for the others.I have a feeling it is 3 children. What are their ages? With £80 for school dinners I am guessing all three of them are in school, otherwise this is too high.

You only have £20 for activities though, which is sometimes allowed, sometimes not, but is reasonable to add £5 per child per week.

Whose wages are you showing here? you other halves, or your own, as you say househusband?

You have not given any contribution from your OH towards the cost of the household bills?

Hope someone can help here as I am not one hundred percent on how much you will be allowed on housekeeping for two adults and three kids, unless it is not 3 kids.

Is your rent as low as £120 a month? and your council tax only £50? if so where do you live I need to move there!

fermi

This was the original post from the other thread.

sadlybroke wrote: »

hello
my partner had a letter from our bankruptcy people today saying she has to pay ipa of £94 a month which we can,t do as we have no excess income.We rang them up and they said they get back to us. Heres are expenitures monthly

Gas/electric £150
Rent £120 are rent would be £300 but we get rent rebate as on low income
ct £50 are council tax would be £100 but we get rebate
water £39 are income is monthly
internet £50 £367 wages
clothing £100 £175 child benfit
petrol £100 £804 working tax credit,child tax credit
tv licensce £12
car insurance £45
washing machine
insurance £8
car maintenance costs £15
car tax £17
school trips £10 not all just cheap ones
food £600 theres 2 adults 3 kids 15,10,8
we have not included house insurance can,t afford it,birthday pressies,xmas ,small hoildays,does my expeniture seem right is there anything i can add
ps sorry about my grammar again

Rylynn

Okay thank you Fermi will take another look, still a bit of a muddle to work out.

To be honest I cannot see how they have ended up with an IPA can any else here, or am I missing something. My maths is not pie hot at the best of times.

I cannot see how the clothing is too high to be honest has this OR had to buy 15 year old kids clothes and shoes, and school uniforms?