Silly silly

mr.ton

Kirsty8910 wrote: »

Also am i able to get a new bank account else where even though these two have been so messed up?

Yes - open up a basic account with someone like the Co Operative

Kirsty8910

really?? so i can include that on my expenses form???

Some one mentioned earlier on that i can legally pay £1 a month?? Obviously i will pay more than that back but is this really true?

angelicmary85

Kirsty8910 wrote: »

Some one mentioned earlier on that i can legally pay £1 a month?? Obviously i will pay more than that back but is this really true?

Yeah, it's true.

hullight

Yes you could pay £1 a month if you wanted to, they might take you to court though. Besides, why would anybody want to spend the rest of their lives in debt, it's beyond me...

mr.ton

The £1 per month is whats known as the "legal minimum" in this country.
In the eyes of the law you are deemed to be paying something.
The secret is to do your maths & work out your income & outgoings in such a way that you have a £1 per month left over.
Any i & e form takes into account all bills (rent/council tax/gas/elec/water/tv licence) & even includes your costs for things like food, your general travelling costs & buying clothes (cant be walking round naked can we eh lol)
Entertainment stuff is mentioned on i & e forms as well - but can be worded in different ways (it may say "cigarettes", "Alcohol" for example")
When it comes to buying food - in my experience, ive never known any court to require receipts for the amount of food you buy.
So say for example, you spend £25 per week on food - that can easily be bumped upto £40 for example.
Im sure you get the idea here

hullight

So...deception?

Not sure you want to admit to lying to the court on a public forum...

mr.ton

hullight wrote: »

why would anybody want to spend the rest of their lives in debt, it's beyond me...

If that life is spent repaying at a rate of £1 per month then its hardly noticed & then the person can quite easily get on with their life quite happily

WRINKLES

mr.ton wrote: »

The £1 per month is whats known as the "legal minimum" in this country.
In the eyes of the law you are deemed to be paying something.
The secret is to do your maths & work out your income & outgoings in such a way that you have a £1 per month left over.
Any i & e form takes into account all bills (rent/council tax/gas/elec/water/tv licence) & even includes your costs for things like food, your general travelling costs & buying clothes (cant be walking round naked can we eh lol)
Entertainment stuff is mentioned on i & e forms as well - but can be worded in different ways (it may say "cigarettes", "Alcohol" for example")
When it comes to buying food - in my experience, ive never known any court to require receipts for the amount of food you buy.
So say for example, you spend £25 per week on food - that can easily be bumped upto £40 for example.
Im sure you get the idea here

Iagreetotaly pay only what you can you still have to live your life:beer:

Kirsty8910

Yes got the idea there.... thank you. this is what i have so far, its very vague....

In goings

Out goings

Monthly earnings after tax.

£850

Rent

£420
Groceries

£50
Transport

£50
Other Current debts

£200
Clothes/TV licence

£80
TOTAL

£800


like i say really am not sure how to go about all this

mr.ton

hullight wrote: »

So...deception?

Not sure you want to admit to lying to the court on a public forum...

Who said anything about lying to any court?
You are simply "working out your budget" & repaying whats left over - if thats a £1 per month then so be it.
Sometimes even i have realised that i spend too little on food