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*soa*advice Needed

1246

Comments

  • NekoZombie
    NekoZombie Posts: 1,664 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Richard_S wrote: »
    Thanks for pointing that out Neko, it is very ambiguous; where's AlanD I need a caning :eek:

    Hehe! Only if I can watch!! :D
    BCSC Member 70:j
    .
  • black-saturn
    black-saturn Posts: 13,937 Forumite
    10,000 Posts Combo Breaker
    If your female haircuts don't have to cost anything. You can grow it long. When I was in debt I had to grow mine long and put the £15 a month towards paying off the debt.
    2008 Comping Challenge
    Won so far - £3010 Needed - £230
    Debt free since Oct 2004
  • NekoZombie
    NekoZombie Posts: 1,664 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If your female haircuts don't have to cost anything. You can grow it long. When I was in debt I had to grow mine long and put the £15 a month towards paying off the debt.

    Sweeping generalisation there. A decision that was right for you may not be right for others. I have afro hair, and if I was to grow it *long* I would no doubt be banned from the cinema.
    BCSC Member 70:j
    .
  • Mike_St_Helens
    Mike_St_Helens Posts: 3,414 Forumite
    If your female haircuts don't have to cost anything. You can grow it long. When I was in debt I had to grow mine long and put the £15 a month towards paying off the debt.

    This is the bother it gets you in !! How are you supposed to moneysave and visit all them moneysaving outlets with that hair getting in the way !
  • disco_3
    disco_3 Posts: 64 Forumite
    Thank you all once again for your input. We are working all the I&E out for her at the moment and have come up with a surplus of approx £48.00 per week, based on roughly what was posted in this SOA.

    Of course this person has expenditure which has been told to her from her surgeon that includes creams etc after surgery. She even had to buy 3different pairs of shoes in 6 weeks that was essential to her after surgery. This will be happening again in a matter of weeks as she will be having surgery once again. After surgery its a must of having Physiotherapy twice a week, a cost of £12 in taxi fares, so theres goes the budget of transport at £40 per month.
    Can all of this be told to the OR at the interview stage. ?

    Many thanks
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    disco wrote: »
    Can all of this be told to the OR at the interview stage. ?

    Yes. All these issues can be sorted out with the OR during the interview. There is no need to be overly concerned for the petitioning to the court stage. The SOA to the court is just so that the judge can see that they need to go BR, and to give the OR somewhere to start.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • disco_3
    disco_3 Posts: 64 Forumite
    Thanks fermi
  • Red1708
    Red1708 Posts: 843 Forumite
    Sorry I didn't get logged in last night....all hell has broke loose at work so was there until 10 last night :mad:

    Anyways here is my SOA based on one adult and one child aged 15 that has been accepted by the OR.

    Income

    Wages 1063
    CB & CTC 234
    Total 1298

    Expenditure

    Rent 238
    Housekeeping 347
    Gas & Electricity 100
    Water 21
    Telephone 59 (Home, Mobile & Internet)
    Travelling 152
    Clothing 40
    Council Tax 67
    TV Licence 12
    Contents Ins 16
    School Work / Meals 87
    School Trips / Activities 10
    Medicines / Opticians 20
    Hairdressing 19
    Pocket Money 10
    Repairs / Maintenance 20
    Total 1218

    Excess 80 no IPA

    Hope this helps
    BSC Member 59 - AD 29th March 2008


  • disco_3
    disco_3 Posts: 64 Forumite
    Sorry to hear you had to work late last night RED1708.
    Thanks for posting your SOA. It does give a good guidline..

    Disco
  • AlanD_3
    AlanD_3 Posts: 312 Forumite
    Richard_S wrote: »
    Thanks for pointing that out Neko, it is very ambiguous; where's AlanD I need a caning :eek:

    The line for a caning starts...


    :naughty: Here...

    There is a charge for this service but all profits go towards the filing fee.
    :D
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