done it

debtinfo

oh dear - to bad really - the examiner is trying to rush it through when really they should wait until the actual change takes place, but hey ho more haste less speed as they say

samyc

ell i said i wont know waht payments wil def be until first or second week in jan as i cant inform tax credits of this change until it happens in jan, so se said she'd send me out a new form with new details of what i will have to pay and then i will have to forward her the details of the award notice when it comes through

mitchaa

samyc wrote: »

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 (Now £1224)
Other income............................ 0
Total monthly income.................... 2955 (Now £2151)

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 (Now £646)
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 (Now £2091)

Monthly Budget Summary
Total monthly income.................... 2,955 (£2151)
Expenses (including HP & secured debts). 2,918 (£2091)
Available for debt repayments........... 37 (£60)

That looks more like it;)

For benefits ive used...

£249.20 x 52 (CTC) + £33.20 x 52 (CB) / 12 = £1224

Thats what figures you should be giving OR, so they wont have a hope in hell of taking £4-500 off you

Just pop the thank you card in the post

samyc

haha

well i feel loads more positive just knowingthat the actual interview is over, dont get me wrong she was a lovely lady but yesterday i thought that she was a wicked witch from the wild west!!!
its like something around £380 a month differnce! thought i best check with tax credits!! i know what there like!!

So the latest calculation sounds one hell of a lot more realistic to me than the other figure!!!!

samyc

Hi everyone
Just thought I would let you all know that after I informed the OR that my tax credits calculation had been wrong, I now have to pay £200 a month back which is excellent considering that they wanted me to pay £524 a month back!!

Just wanted to say THANKYOU to everyone whos helped me and advised me

chux_2

Great news hun, hope you feel much better.