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OR interview today, few questions...

IPA/IPO is a possibility as he seems to think there is surplus.....I disagree!!! 2 adults 1 child how much housekeeping money could I put? Currently £300... Also I have put £100 per month in fuel and need to try and up that too and I am sure I have spent more than that at times on both counts anyway and OR has bank statements etc!
The trouble is coming from partners income - OR using partners entire income but partner has his debts etc to pay and therefore doesn't put all that money towards the expenses on SOA (and we couldn't put it towards an IPA/IPO!!!!) ARGH short of showing mine and dp's income and expenses including DPs debts (which OR doesn't want to know!) I don't know what to do.
Oh plus my car might not be exempt - coz it's value is between 2 and 3k ARGH
:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:
hope someone can advise, he is calling me 2moro at work!
Sep GC £235.51/£225.00
Oct GC £240.44/£225.00
Nov GC £170.76/£235.62

Comments

  • debtinfo
    debtinfo Posts: 7,012 Forumite
    Hi can you post your full soa including yours and your partners full income, plus i presume that it is just yourself that is bankrupt
    Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
    Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.
  • mum2b
    mum2b Posts: 79 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    off the top of my head - yes just me BR!
    dps income 1550
    mine 1000
    rent 650
    childcare 430
    elec 210
    c tax 185
    water 13
    housekeeping 300
    fuel 200 (100 each)
    car tax 30 (15 each)
    repairs 40 (20 each)
    clothing 50
    sky 25 OR not allowing this
    tv lic 12
    car ins 80 (40 each)
    me prescription 7
    me hair 20
    internet 15
    me mobile 10 (dp 60!!)
    Sep GC £235.51/£225.00
    Oct GC £240.44/£225.00
    Nov GC £170.76/£235.62
  • debtinfo
    debtinfo Posts: 7,012 Forumite
    okay using your figures and this http://www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Income%20payment%20Calculator%20final%20nov%2006.xls which the OR should use i get your surplus as £50pm which would mean no IPA

    I dont think the things you have mentioned should be a problem but to me the electricity seems very high
    Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
    Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.
  • mum2b
    mum2b Posts: 79 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Yes elec is very high but no gas and they asked for £60 p/m from dec when we moved in as thats what previous tenants had paid - then we used £1200 from dec - march (idiots!!!!) so they are wanting bigger payments til we get that down. explained that in my notes OR he is not concerned.....
    I wonder why OR is looking at a surplus and you and me aren't?
    xx
    Sep GC £235.51/£225.00
    Oct GC £240.44/£225.00
    Nov GC £170.76/£235.62
  • curly04
    curly04 Posts: 7,247 Forumite
    when did you go BR?
    If the electric bill is just in your name and it is dated prior to the BR date you can include this as one of you debts
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • mum2b
    mum2b Posts: 79 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    went BR a week ago - elec in both our names so no point! I did think about it.
    anyway OR has phoned this am and jiggled the figures no IPA phew :eek: just waiting for paperwork and for them to decide about the car -he doesn't think it'll be a problem just can't be 100% yet!
    xx
    Sep GC £235.51/£225.00
    Oct GC £240.44/£225.00
    Nov GC £170.76/£235.62
  • curly04
    curly04 Posts: 7,247 Forumite
    that is wonderful news :D
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
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