NO OR Phone call?

adpod

Put up your SOA and evryone can tell you where you need to spend more/less and what your likely IPA (if any) will be

nemopaul

Rent 450
council tax 142
Gas 65
electric 65
water 65
fuel on car 220
food 538
car insurance 30
car maintenance 50
car tax 12
clothing 50
mobile phones (2 on contracts) 120
Hair cuts 25
cat & dog food 25
Emergencies 40

total 1897

income between 1600-1700/month

live with girlfriend & 3 year old.

girlfriend pays 50 towards TV licence & other small bits. Her wages of 600/month pay her bills

what do you guys think? IPA or no? :-/

adpod

nemopaul wrote: »

Rent 450
council tax 142 wow thats really high?
Gas 65
electric 65
water 65
fuel on car 220
food 538 food is a bit high
car insurance 30
car maintenance 50
car tax 12
clothing 50
mobile phones (2 on contracts) 120 who are the 2 contracts? that might be queried
Hair cuts 25
cat & dog food 25
Emergencies 40

total 1897

income between 1600-1700/month Does this include your partners income or is this just yours

live with girlfriend & 3 year old.

girlfriend pays 50 towards TV licence & other small bits. Her wages of 600/month pay her bills

what do you guys think? IPA or no? :-/

You could add in holiday fund of £30-£40 a month, what about broadband and line rental?

banksshouldworry

nemopaul wrote: »

IPA after? After 12 months? Can they still take money from you? :'(

If you have a surplus over £20 per month after paying for your agreed necessary expenses then you could get tied into an IPA that will last for 3 years.

Keep below the threshold for a surplus and they cannot take anything off you after your discharge - no matter how much you earn.

nemopaul

Council tax is over 7 months because I didn't move in with her til a few months ago &she was claiming some sort of benefit so didn't have to pay it until I moved in.

1 phone is mine the other girlfriends but they're both in my name.

1600-1700 is just my income/month.

her income goes on her debts :-/

What's your thoughts?

nemopaul

No broadband but we do need it just haven't been able to afford it, hopefully will be able to now I'm BR :-/

sort_me_own_yard_out

nemopaul wrote: »

Rent 450
council tax 142 is this high because of arrears?
Gas 65
electric 65
water 65 is this because of arrears or water rates if the latter you will be better with a meter
fuel on car 220
food 538 I think this is high I went for £450 and they tried to reduce it to £400
car insurance 30
car maintenance 50 £600 a year for service/MOT
car tax 12
clothing 50 £90
mobile phones (2 on contracts) 120 would be better putting the contract as a debt and getting a PAYG sim
Hair cuts 25
cat & dog food 25
Emergencies 40 £30 as it is £10 per person
holiday £40
Any parking, presciptions,contents insurance or dry cleaning costs? You will also have to declare the child tax credits and Child benefit that comes into the house not just income that you earn.
total 1897

income between 1600-1700/month

live with girlfriend & 3 year old.

girlfriend pays 50 towards TV licence & other small bits. Her wages of 600/month pay her bills

what do you guys think? IPA or no? :-/

I hope this helps

sort_me_own_yard_out

Just seen your last post, i doubt very much you will be allowed to be allowed the expenses of both mobiles as at £60 each not particularly reasonable expense.

nemopaul

Ok thank you. This is what i put down on my Bankruptcy for, can I change it when I speak to OR or not? :-/

sort_me_own_yard_out

If this is what you are paying it is what you are paying. Nobody expects you to live like a pauper, and if he dont allow something you can adapt and overcome, for instance you can have your phone contracts put into your bankruptcy and have PAYG sims which would lower the amount you spend. I was allowed £100 for mine and sons mobile contract, broadband, landline and sky. Even though it came to more.

He may think that £538 is a reasonable amount for groceries for 2 adults and a child. There is no exact science and I can only share my experiance with you. I myself live on my own and two children (13yr old lad eats like an adult) and they tried to bring my groceries down to £400 a month I did contest this as my youngest (8yrs) is a bed wetter and I launder bedding more often than the average person and she is also wearing pull ups on a night.

My water I contested as I had put down £40 and they wanted to reduce it to £35 again down to my daughter this justified the higher amount.

What you have to bear in mind is that an IPA is and agreement you will get a letter after your OR interview and that will state how much if anything they want you to pay for 36 months that is 36 payments not 36 months from whenever. If you dont agree ask them to inform you with where they got the figures from they sent me a spreadsheet showing where they had cut my figures back.

I had help from this board and in particular Debt Doctor and had my IPA reduced by half thanks to him.

Good Luck and it will all come out in the wash so to speak