my SOA - any advice?

kepar

If the car is on HP you need to read the t&c's. Most will say that in the case of br you will have to return the car. Your's might be different. It will be the finance company not the OR who decide on that.

Then even if they agree that you can keep paying for it, you have to convince the OR that you need it. At the end of the day the CCCS does not decide the OR does,If your main reason is your daughter's access, why can't your ex arrange something?

sazaboo

have you met my ex? i wish it was that simple...his contact order states that he has to collect and return after weekend visits and one evening per week after school. he doesnt drive and so the only one suffering here is my daughter.

i will check the terms of the HP, by the way the finance agreement is in both names...nightmare :-(

sazaboo

spoke to my HP company and they are ok for me to keep the car aslong as the OR is...so fingers crossed!

kepar

Have you no landline?

You may have problems with the mobile phone and internet.

Looking at your SOA you are going to have a surplus of about £200 a month. Seems very high, considering your low income. You need to find some more allowances.

tigerfeet2006

That's cool. Not a lot do.

Just have to put your case together for the OR on why it is essential. I would concentrate heavily on your job and then getting DC to school and leave the rest as an aside to add to it, not the main reason.

ETA; just looking at your SoA, will post again in a minute.

tigerfeet2006

sazaboo wrote: »

Monthly Income (after tax) 1274
Benefits 130

outgoings -

Rent 450
Council Tax 74
Electricity 90
Water Rates 12
Mobile Phone 25
TV Licence 12
Satellite/Cable TV/ Internet Services 35 Sky is not generally allowed must come from surplus usually. Is the internet essential for work or schoolwork?
Groceries etc. 300
Clothing inc smart work wear and uniform for daughter 50 £70
Petrol/Diesel 100
Road Tax (car) 20 per year divide by 12
Car Insurance 48
Car Maintenance (including MOT and breakdown) 160 per year £25 per month
Contents Insurance 8
Household Emergency Fund (e.g. for repairs) 10 £20

so this is my SOA for when i go Br in september, im looking to make sure it is as good as it can be so im not going to struggle when the take the OPA/IPA thingy!

thanks for your time guys!

medical £20
childrens activities etc. £5 per week per child for activities. £2 a day for dinners primary school and £3 secondary
haircuts £15
holiday £50

Do you wear suits to work? £10 dry cleaning.
Is your contents insurance with accidental damage? If not try and get some.
Do you have breakdown cover with your insurance? If not get some £10
Any pets? £20 for insurance and vets.
How old is your DC?

Don't think I've missed anything.

sazaboo

great stuff cheers,
DC is 4
i need broadband for work/studies as im doing a foundation degree through work too
and Dave Cameron helpfully introduced a digital incentive for families etc so can use that - got lots of info from insolvency.co.uk technical manual and on here so feel very armed with info! cheers - i will do my damnest to get all the allowances i can to make life livable!!

sazaboo

IN
Wages £1,274.66
CHB £81.20
CTC£158.66

OUT
£450.00 Rent
£300.00 Food
£90.00 Electric
£74.00 Council Tax
£30.00 Broadband/Phone
£25.00 Mobile
£12.12 TV Licence
£8.07 Contents Insurance
£12.00 Water
£15.00 Dancing (Daughter's lessons)
£20.00 Swimming( Daughters lessons)
£20.00 Sundries and emergancy
£30.00 Dental / Optical/prescriptions (I have 1 repeat prescription and wear glasses/contacts)
£20.00 Extra Curriculum/School trips
£20.00 road tax (annual)
£28.00 breakdown (annual)
£25.00Car MOT/Service
£126.95 HP Car
£100.00 fuel
£42.83 Car Insurance
£30.00Holiday
£70.00school uniform/smart clothing/dry cleaning

total in £1,514.52
total out £1,500.97

do we think that this is ok?

kepar

Am unsure as to whether you can claim all those activities for your daughter. Dancing, swimming and school trips , I can see that getting cut back.
One you missed is haircuts.

You seem to have maximised all your allowances, it should be what you spend. It looks to me you are doing everything to avoid an IPA, you want to hope the OR doesn't see it as that .

And as stated before, I hope you have a good case to keep the car. The CCCS do not decide and I feel that if you don't need the car for work , the OR may take some persuading.

sazaboo

i work full time at the moment earning about 1550 net monthly, same outgoings as above so im kinda going to be living on a reduced wage from september when i go part time as daughter starts school.

its a gamble with the car, i know this...but i will be hoping that the OR will accept the need to keep my daughter's contact with her father as he doesnt drive...and also taking and collecting from school is my resonsibilty alone. The longer I am sat on buses etc, the less hours I will be able to work and earn, I have definately allowed for some allowances to be reduced and fully expect to pay something through an IPA and the nil tax code.

does anyone have any experience with HP car in Br's?? - i might start a new thread...