done it

samyc

well just had OR interview today

been told im looking at paying 400 plus a month back!

cant say im happy!

dalip

How come???

samyc

i have got no idea im so upset, but apparently after ive paid anything i have about 700 a monh left over i dont get how like!
but she says il receive in writing how much i have to pay back
and it looks like i loose my sofa!

peachyprice

You need to ask for a breakdown of how they arrived at such a big surplus. OR's have been known to make mistakes and get the figures wrong. how much surplus do you think you had?

Why will you lose your sofa?

samyc

because its with brighthouse
i dont know and i thought i had about 50 odd!
im fed up now really fed up
she just said that she will work it out as fast as she can and give me the details ive gt to ring her back with some details of gas company etc

dalip

Did you put you I&E up before for us to look at? I have just looked for it but could not find anything.Dx

samyc

yea everyone got surplus down to 37 but some of bills had aears on so had to take them off
i dont kno

debtinfo

It can only be the childminding, ive had a look at your SOA and there are bits to reduce such as the utilities but nothing on the scale to give you £700 surplus, what did the examiner say about the childminding fees did they say if they were allowing them

samyc

in jan they half to 150 a week but so will my tax credits?? they wil drop to roughly 325 a week

dalip

debtinfo wrote: »

It can only be the childminding, ive had a look at your SOA and there are bits to reduce such as the utilities but nothing on the scale to give you £700 surplus, what did the examiner say about the childminding fees did they say if they were allowing them

Whilst i trust your judgement on this DI :Dcan i be nosey,would you post the link to the I&E please.Dx

samyc

Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 927
Partners monthly income after tax....... 0
Benefits................................ 2028
Other income............................ 0
Total monthly income.................... 2955

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 400
Management charge (leasehold property).. 0
Council tax............................. 86
Electricity............................. 88
Gas..................................... 88
Oil..................................... 0
Water rates............................. 70
Telephone (land line)................... 53
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 22
Internet Services....................... 0
Groceries etc. ......................... 352
Clothing................................ 75
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40
Childcare/nursery....................... 1473
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 9
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Dry Cleaning..............................20
Total monthly expenses.................. £2918

Monthly Budget Summary
Total monthly income.................... 2,955
Expenses (including HP & secured debts). 2,918
Available for debt repayments........... 37