Debt Relief Orders (DRO) - Information & help thread

broken_spirit

sarbaz2007 wrote: »

Not entitled to it as i get working tax credit.

Do u really have no contents insurance? U really should have something in there.

broken_spirit

scarlet55 wrote: »

hope you will be feeling a bit better soon b.s...if you r only "sqeaking" you can always pretend that "your aunty isnt in " lol:rotfl::rotfl::rotfl:

I couldn't even manage 2 squeak that out!!! It's a good job I can still type

Orville

sarbaz2007 wrote: »

cars finance has finished but was all in dads name,ive got the last statment of account which is in his name and address. is that ok?

we are 2 adults and one baby under 1.

We do spend a lot on groceries specially with baby as his only bottle fed and obviously with all the nappies.
Whats the maximum allowed down for groceries and clothing.
anything else you thing i might juggle.

Water rates should be £20. my mistake.

There is (if you can be bothered to wade through the thread) a table posted by Fermi which if memory serves me right gives the cut off points for figures entered. I have to be honest though and say i can't remember exactly where it was posted.

I would have thought the car should be ok if it's registered in his name as you don't actually own it, so on paper it's not an asset of yours.

As for the clothing and food, i will be honest and say i don't know what the figures are if you are including a baby.

broken_spirit

broken_spirit wrote: »

Do u really have no contents insurance? U really should have something in there.

Wouldn't your proof of WTC be sufficient for your proof of paid income also?

scarlet55

sarbaz2007 wrote: »

cars finance has finished but was all in dads name,ive got the last statment of account which is in his name and address. is that ok?

we are 2 adults and one baby under 1.

We do spend a lot on groceries specially with baby as his only bottle fed and obviously with all the nappies.
Whats the maximum allowed down for groceries and clothing.
anything else you thing i might juggle.

Water rates should be £20. my mistake.

my adviser put down £216 down for my household, which includes things like clothes toiletries nappies ect (no babies in the house ) and i live alone so i think the groceries will be fine...but you need to scrap the clothing or most of it and perhaps add it on somewhere else...my tv licence went down as £13. i would put £30 down for water,you could probably put down a little more for mobile phone if you both have one..i woulnt worry too much as your adviser will sugest things aswell...you could probably put down for home insurance...you should probably have some anyway...get some quotes...

scarlet55

broken_spirit wrote: »

I couldn't even manage 2 squeak that out!!! It's a good job I can still type

ah u poor thing...well if they ring you they will just think you are giving them the silent treatment lol...:rotfl::rotfl::rotfl:

broken_spirit

Orville wrote: »

There is (if you can be bothered to wade through the thread) a table posted by Fermi which if memory serves me right gives the cut off points for figures entered. I have to be honest though and say i can't remember exactly where it was posted.

I would have thought the car should be ok if it's registered in his name as you don't actually own it, so on paper it's not an asset of yours.

As for the clothing and food, i will be honest and say i don't know what the figures are if you are including a baby.

I've had a look 4 this & cannot find it 4 u. If any1 does manage 2 find it, could u plz post the link? I was allowed 2 put £300 4 housekeeping for 2 adults, but I think you'd have 2 cut down your clothing budget. I understand how much babies cost................but u may have 2 juggle some of you figures & offset them elsewhere

scarlet55

broken_spirit wrote: »

I've had a look 4 this & cannot find it 4 u. If any1 does manage 2 find it, could u plz post the link? I was allowed 2 put £300 4 housekeeping for 2 adults, but I think you'd have 2 cut down your clothing budget. I understand how much babies cost................but u may have 2 juggle some of you figures & offset them elsewhere

i dont think that the link is there anymore as i looked for it a while ago.:)

broken_spirit

scarlet55 wrote: »

i dont think that the link is there anymore as i looked for it a while ago.:)

That'll be y I can't find it then!!!:rotfl::rotfl::rotfl:How r u 2day?

sarbaz2007

broken_spirit wrote: »

Wouldn't your proof of WTC be sufficient for your proof of paid income also?

How do I go about this? You mean I just need my WTC letter what employer letter?