How's everybody doing?

Richard_S

NekoZombie wrote: »

Hehe, yes I'll do what I need to to avoid an IPA.

Will definitely keep everyone posted on how it goes.

Rich, a great idea, but you may also find it more useful to start a thread on here, with people posting their I&Es as accepted by the OR . Indeed, we could turn that into a sticky of broad guidelines for acceptable amounts. I can help with a single persons soa - people with families will have to let us know what their OR accpeted. We may then be able to work out some sort of rough guidelines for writing a I&E for the OR. Great stuff!

Hi Neko,

I think a summary of this report will be very helpful, it's not only based on the size of a family but on income levels, age and geographical location. It's only available as a pdf file (as far as I know), so I'll need to do a lot of work to meaningfully summarise it. If I could get hold of it in excel it wouldn't take long at all.

The problem at the moment is we don't know exactly what the O.R will accept, my approach would always be to pitch higher and let the O.R reuduce it, but will be much better to actually be using the same figures.

Rich

Bakeybadoo

For the chopping block! :laugh: Yes, Thursday at 9:30am. I'm fine about it, having been with OH during his, I know I've nothing to fear - especially as my petition is really clear cut.

OH had one set of OR forms through but has heard nothing since. His creditors have been informed and we've received a steady trickle of letters to that effect.

desperate_mum_3

what a good idea about the SOA , i have sat worrying if i have put figures too high or too low .. It would be nice to have a little over to maybe save for a holiday next year ?? who knows ....
I have my OR date for next Tuesday at 10.30am ....face to face ....was worried but i have spoken to the man a couple of times now and he seems really friendy ..hope he is i'd hate to sit down and burst into tears ...feeling a little tearful at the mo probably the relief its getting sorted .... to the person who said it has taken them a long time but will never get in debt again ....ME NEITHER !!!

NekoZombie

Richard_S wrote: »

Hi Neko,

I think a summary of this report will be very helpful, it's not only based on the size of a family but on income levels, age and geographical location. It's only available as a pdf file (as far as I know), so I'll need to do a lot of work to meaningfully summarise it. If I could get hold of it in excel it wouldn't take long at all.

The problem at the moment is we don't know exactly what the O.R will accept, my approach would always be to pitch higher and let the O.R reuduce it, but will be much better to actually be using the same figures.

Rich

O.K - I'll leave you to digest the report, and I'll see what I can compile on here. maybe we'll meet somewhere in the middle.

Richard_S

NekoZombie wrote: »

O.K - I'll leave you to digest the report, and I'll see what I can compile on here. maybe we'll meet somewhere in the middle.

Mmmm, Neko, sounds divine

allofadither

Bakeybadoo wrote: »

For the chopping block! :laugh: Yes, Thursday at 9:30am. I'm fine about it, having been with OH during his, I know I've nothing to fear - especially as my petition is really clear cut.

OH had one set of OR forms through but has heard nothing since. His creditors have been informed and we've received a steady trickle of letters to that effect.

Hope it all goes well on the day Bakey. The OR obviously has a head start with your OH, so maybe you will have a joint interview sooner rather than later.

I've heard nuthin from any of my creditors....apart from the CC statements with all the extra late payment charges on them :rotfl: Put them in the shredder for safe keeping.

allofadither

desperate_mum wrote: »

what a good idea about the SOA , i have sat worrying if i have put figures too high or too low .. It would be nice to have a little over to maybe save for a holiday next year ?? who knows ....
I have my OR date for next Tuesday at 10.30am ....face to face ....was worried but i have spoken to the man a couple of times now and he seems really friendy ..hope he is i'd hate to sit down and burst into tears ...feeling a little tearful at the mo probably the relief its getting sorted .... to the person who said it has taken them a long time but will never get in debt again ....ME NEITHER !!!

Nor me!!!!! Gud luk for next week desperate mum, glad to hear you're feeling a little easier about things. The interview is pretty much the final hurdle and then you'll be a not so desperate mum :j

Mike_St_Helens

Hiya ! This is a nice catch up !

We are more than 6 months in now. Dont really hear from our OR although we have been passed to RTLU. We kept the car and was told we could keep the house for the £1 plus fees. We had an NT code, that money is still sitting in savings waiting for a request for it, the IPA of £130 we had ... still no sight nor sound of them asking for this either...

I check the site every day hoping for discharge... wont be long we hope!

allofadither

Mike_St_Helens wrote: »

Hiya ! This is a nice catch up !

We are more than 6 months in now. Dont really hear from our OR although we have been passed to RTLU. We kept the car and was told we could keep the house for the £1 plus fees. We had an NT code, that money is still sitting in savings waiting for a request for it, the IPA of £130 we had ... still no sight nor sound of them asking for this either...

I check the site every day hoping for discharge... wont be long we hope!

Nice to hear life seems to be treating you well Mike.:j

I'm showing my ignorance now...but what's RTLU? And since I'm a non taxpayer anyway (don't all shout me down at once) what is the purpose of the NT tax code?

Mike_St_Helens

allofadither wrote: »

Nice to hear life seems to be treating you well Mike.:j

I'm showing my ignorance now...but what's RTLU? And since I'm a non taxpayer anyway (don't all shout me down at once) what is the purpose of the NT tax code?

RTLU is the office that deals with your assetts when the OR has finished with you. Houses, NT codes etc etc

NT is added so you pay your tax to the OR instaed of the tax man, as your B the tax man cant have it till the end of the tax year... which was in April... Think thats right ??