May I join you please?

woodformoretrees

WickedWitch123 wrote: »

hmm ok, I wonder how they decide though what is the appropriate amount of rent you should pay in the area you live. I could probably find a rental place for £450 so would the OR say that I had to move there. That's a bit pedantic I suppose but how do they decide what the 'going rate' is? This house is a 3 bed town house. I've got 2 girls, age 16 and 6. My 16 year old would rather live in the front garden (we don't have a front garden) than have to share with her sister :rotfl: but will the OR expect them to share?

I know there's no straight answer - i'm just thinking out loud really.

WW

They wouldn't expect them to share. You live in an average house.

longtermplanner

WickedWitch123 wrote: »

hmm ok, I wonder how they decide though what is the appropriate amount of rent you should pay in the area you live. I could probably find a rental place for £450 so would the OR say that I had to move there.

It doesn't sound as though you have a penthouse flat in Mayfair, or a country estate complete with swimming pool and tennis courts. In which case, the appropriuate amount of rent is the amount you are actually paying.

I know there's no straight answer - i'm just thinking out loud really

No. This is a straight answer. Unless you are paying an absurd amount of rent, your rent will just be accepted. The OR is not going to tell you to move anywhere cheaper, let alone say your children have to share a room.

WickedWitch123

thank you longtermplanner for your reply. I spoke to Stepchange about this a few days ago and they also confirmed that this is the case.

Thanks again.

WW

WickedWitch123

woodformoretrees wrote: »

They would expect them to share. You live in an average house.

No sorry, this is not the case.

woodformoretrees

WickedWitch123 wrote: »

No sorry, this is not the case.

Gaaah! That should have read 'wouldn't' They would not expect them to share.

Are you paying rent that is astronomical, or living in a luxury house much larger than you need?

If you live in a house that has a value somewhere between highest and lowest for the area I can't see it being argued.

Apologies for my tardy typing in original reply.

luvchocolate

Hi di not go anywhere where you will be charged!!!
The debt charities are all free and they know what they are talking about,,,,keep posting on here as this forum has many people who have been B.R and will not reply to you unless they know the answer....anyone who tells you to pay for advice,,,yes the first appointment may be free but they will not spend hours doing the paperwork with you for free.....the debt charities and we will though.
take care and keep reading and asking xx

WickedWitch123

woodformoretrees wrote: »

Gaaah! That should have read 'wouldn't' They would not expect them to share.

Are you paying rent that is astronomical, or living in a luxury house much larger than you need?

If you live in a house that has a value somewhere between highest and lowest for the area I can't see it being argued.

Apologies for my tardy typing in original reply.

Oh, no problem haha.

WickedWitch123

luvchocolate wrote: »

Hi di not go anywhere where you will be charged!!!
The debt charities are all free and they know what they are talking about,,,,keep posting on here as this forum has many people who have been B.R and will not reply to you unless they know the answer....anyone who tells you to pay for advice,,,yes the first appointment may be free but they will not spend hours doing the paperwork with you for free.....the debt charities and we will though.
take care and keep reading and asking xx

Hi and thanks for your advice. This site is amazing, it really is. I'm here every day now, and Stepchange are fantastic too (and free). Now that i've stopped paying the debts that i'd been managing the phone calls have started. Stepchange gave me the template letters to send so they've gone off today - hopefully things will quieten down again.

melizaarora

Can i know the age criteria to open an account

Countrygal_2

WW so once you know you are going BK do u stop paying the creditors or continue ? and those dreaded phone calls is it best to tell the creditor your going bk ?