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help please

can someone please advise what outgoings the OR allows for. Also have been told that my car is to be taken from me, but i will get a cheque for £1000 for something to get me to and from work, but what i can't say is that my Car insurance is going to increase, as is my road tax and fuel costs will the OR take this into account? I was made BR on monday is there going to be any effect on my husband? so confused and worried OR not phoning me til 4/4/13 and just making myself ill with worry........

Comments

  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How do you know those things will increase? If they do then you talk your OR and get a new SoA drawn up if he has given you an IPA, it will not be a problem. If you need to speak to him before your interview you can also contact him to find out ant info.

    Who did you take advice from before going BR?

    ETA: BTW how much is the car worth?
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • elsie2
    elsie2 Posts: 19 Forumite
    edited 23 March 2013 at 7:14PM
    its worth approx £4000. took advise from c a b
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ah! I can see why the OR wanted it. I am surprised the CAB didn't suggest selling the car pre-BR and using the money to buy a car of around £1 to £1.5k so it was all sorted and you wouldn't have had this headache. You could have used some of the money for fees as well.

    Don't get to stressed about things. The examiner is there to help you as well as administer the BR so don't be afraid of him and there is usually someone on here who'll help. Try to think of it as the new start to the rest of your life.

    Meant to ask last time, do you have any joint debts or financial products with your DH?

    When are they coming to pick up the car?
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • elsie2
    elsie2 Posts: 19 Forumite
    OR phoning me on 4th april to discuss car details, and incomings and out goings so not sure how long after that before they pick up car. No joint debts or accounts with DH it's all in my name, but am worrying if its going to affect him in any way. I know in my heart it was the only thing i could do but my head just seems to be ready to explode.... i appreciate you helping me with my questions so a BIG THANKYOU
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    If no joint debts/accounts, then it shouldn't effect him in any way you need to worry about.
    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
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