The Bankruptcy Club & Supporters Club

bizzylizzy

Thinking about this, surely all ORs have to work to the same rules? It can't be a "postcode" thing like medical matters can be?

JGWT8M

Could this be a sign of the insolvency service enforcing the rules 100% to make examples of us? Maybe as a deterent to others thinking of it in the future as a copout?

I was told off the record that they would not allow for birthdays, gifts, xmas etc. and to increase the food allowance to it's maximum even if you don't spend it all, so you've got some spare cash to tuck away for xmas/birthdays.

I'm going BR around Jan/Feb time unless someone else does it for me in the meantime.

sandralovescats

I tend to think that some OR's give OR's a bad name, just like some Tax Inspectors!

bloomin_freezing

619 of 2006!!! Bring me sunshine!

x

Doushka

scootw1 wrote:

What do you mean by "£265 was taken out of your expenses?" Sorry if this seems nosey but I'm going to be doing my I&E sheet soon so want some idea of what was declined

Hiya scoot

not nosey at all, that's why we all post here so we can learn and gain from each other

she took out all pet costs (food, litter, insurance, cat club memberships), birthdays/christmas/holidays, subscription to charities related to my health problems, sky (obviously).

didn't quibble the values of any other figures, even where I've got £400 for groceries for two people per month!

pet costs (or at least some of them) may go back in if my gp will agree to write a letter stating that they are good therapy and have improved my health since having them

and sandra (and others I think) say that b/c/h is allowable, so I've to follow that one up too.

hth

Doushka

Doushka

sandralovescats wrote:

Doushka, I had a look back at your posts and I see you also have an Income Protection Policy payment. I would say that is where the discrepancy comes in.
Having said that, the OR is still not allowed to touch one penny of your IB or your DLA. It has to be removed from the income first. Then take off your outgoings.

If you do this, how much "disposable" income do you have?

I would argue the point with the OR re your DLA since it is neither taxable nor included in any calculations.

thanks Sandra, I was going to say that about the IPP, but you got there first

If I exclude the DLA and IB, my surplus is actually a deficit of over £300!

Is there somewhere that it clearly states DLA and IB will not be touched?

I think I need a letter (as that is her preferred mode of correspondence - great at this time of year eh!) pronto don't you?!

Doushka

sandralovescats wrote:

The OR is being a pain in the you know where!

Bankruptcy allows for birthdays, Christmas and holidays. It allows you to have a normal life again, free from debt, etc.

I would query this with the OR, since it is one of the two big differences between an IVA and bankruptcy.

Again, this is one of the things the OR excluded from my expenses. Is there anywhere I can refer to when I query this with her?

and, out of interest, what is the second big difference? (its probably clearly in front of me somewhere obvious, too obvious to see)

Doushka

bloomin_freezing wrote:

619 of 2006!!! Bring me sunshine!

x

not sure that congratulations is the right term to use, but :beer: :T

has the sense of relief settled in yet bloomin freezing?

was it nice and straightforward for you at the court?

(in hindsight I don't know why I worried about the court thing, its the OR that was the tough bit)

Discharge0607

Hello...newbie here:hello: been BR nearly 6 months....still dread each day post on my door step!

Doushka

Discharge06/07 wrote:

Hello...newbie here:hello: been BR nearly 6 months....still dread each day post on my door step!

Hiya Discharge06/07

half way to discharge, not bad eh

please tell me youre not still getting unwanted mail from creditors etc - I'm only newly br and am loving the reduced post of that kind (now if MBNA and associates would stop harassing me by telephone I'd be doing ok)

oh and I almost forgot to say, welcome to the board

Doushka