Claire's County Court Carry On

fermi

Have a fantastic holiday Claire.

I hope the ED works out OK.

philnicandamy

Everything crossed for the ED process (easier said than done keeping everythong crossed though...might need a little help getting things un done later!!)

Have a wonderful holiday

Phil

ClaireLR

I'm gutted..............

I've just received a call from the insolvency service saying that they are going to impose an IPA following the questionnaire that I sent back. She was going to set this at £67 pounds per month but I realised I had forgotten to put internet on my SOA so she has set it at £50 instead.

I feel really p1ssed off, scuse the bad language. I'm not bothered about the £50 really (although £50 is a lot to me really) it's more the fact that I was looking forward to being discharged and now this.......I can't believe it, I feel as bad now as I did all those months ago, I don't even know why really. She said that the maximum that was allowed for housekeeping would be £160 where as I had put down £220 - I don't think this is unreasonable given the price of things recently - does anyone else?? and hairdressing - I put £15 she said they would only allow £10.

She said that she is going to put the paperwork in the post for me and then their collectors would be in touch soon.

I can't stop crying I'm absolutely gutted that this thing is nowhere near to being over now.

betterlatethannever

Ohh Claire, and i thought things were going so well for you.

Can you appeal against this?. Prices of everything have risen many percent recently, especially food and fuel. Water is set to rise, bus fares have gone up, also petrol and Ct bills . Surely your original I & E is out of date now and will have gone up several quid on essentials?

I've seen alot of people on here putting huge amounts down for HK etc and getting it approved. Its so unfair and what they do for one they should then do for all,,,grr it makes me so mad:mad:

Dare i ask, did you have a good holiday?


Edit : here it says that for a single person you can claim £190 for Hk...although i'm unsure whether the Ors use this as guidelines

ClaireLR

Hi BLTN

Yes I had a fab holiday - it was wonderful to go away and have a real break from work, BR, washing cooking and all the other general monotomy of life. I sat and read books and slept a lot and ate to much - fantastic.

I think I'm going to wait and see what the paperwork says when it comes. I think I'm annoyed with myself more than anything else - it's like a bit of me expected to get early discharge - let this be a lesson to others reading this. I always knew it was only a possibility but when you want something so much you start to believe it will happen - and for me it hasn't. It's funny really, I had a huge envelope through the door this morning and wondered if it would be a letter informing me of my discharge and got a little excited - how disappointed do you think I was to discover it was actually a rent increase!!

I'm going to look at what they've disallowed me when the paperwork comes - I have a feeling the £90 for gas and electricity that I've put down might be one thing but this is genuinely what I use.

Feel a bit calmer now I've ranted - just wasn't what I was expecting at all when I answered the phone.

fermi

Hi Claire,

It does sound as if they are determined to get an IPA no matter what.:rolleyes:

The £10 for hairdressing is the correct "by the book" figure as far as I remember.

The £160 is definitely on the mean side of the figures they should be working to, but probably not mean enough to all out challenge.

As you say, wait till the paperwork comes and you can see exactly what is what.

Did they actually say that you wouldn't be getting the Early Discharge then?

If an IPA is appropriate then they will want to get that in place before they do the ED, but it doesn't necessarily stop it! Doing an I&E review and sorting out an IPA when appropriate can be part of the process.

Glad you enjoyed the holiday anyway.

ClaireLR

Thank you Fermi

They didn't say that I wouldn't get early discharge - I don't think it would matter to much to me anyway - I won't feel like I'm truly discharged now until the end of my IPA.

It's frustrating because I have to admit that when the questionnaire came I did think twice about returning it - reason being is that I knew I had surplus (but not more than £100 in my view) and I wondered if I would be better off "lying low" until July when I would have been automatically discharged. I know that's naughty of me but I'm sure there's many on here that would have done the same.

I'll wait to see what the paperwork says then maybe come back and post an SOA and see what people think

scaredwitless32

Hi Claire...................was it a case that your OR/trustee saw the fact that there was only £20+ standing in the way of you being able to meet the £100 threshold for an IPA and therefore disallowed items that were already allowed from a previous I/E or did you UP some of your items?
It's making me think the same could happen to my OH then, as we had a surplus of around £77 <gulp>. ..... although the only thing we changed was the rent, which took into account that he gets paid last day of the month, instead of every 4 weeks, which puts us behind, when there is 5 wks to a month. , and we added an overpayment to the WTC/CTC, which we were notified of just after christmas.......so I guess we just sit and wait.

Does your rent increase make much of a difference to your outgoings?

I can understand where you come from in regards to not returning the forms on time for ED to be considered ! Although, I guess you would of had to fill in another questionaire before your AD maybe?
I hope everything work out ok for you, I will be keeping my fingers crossed, although IF you do have to pay the £50, look at it positively, a) it 's got to be better than what you were paying PRE BR b) you can see when it WILL end it's not something thats going to hang round your neck years down the line, only 3 iddybiddy ones! (Well that's what I keep telling myself anyway!lol)
Good luck ! I will keep a look out for how things progress
x

ClaireLR

Hi SW

Well I'm not sure on the first point - I had upped some of my things such as petrol and housekeeping but this was in line with the price rises recently - e.g. an extra £5 per week for housekeeping and an extra £5 per week for petrol - not extortionate amounts! They also seem to have disallowed certain things from my original SOA - such as tv/internet access and my original SOA was £200 for shopping and she said only £160 is allowed!

I am going to wait until I get the paperwork and then go through it all - the other thing I forgot to mention to them (cos I was trying not to cry lol) is that my tax - which goes now to Clarke Willmot - is incorrect. Basically they started taking £193 when I was declared bankrupt - I have had 2 payrises since and they are still not taking anymore tax from me - so come the end of April when the tax once again is collected by the inland revenue that is going to be higher. I have rung Clarke Willmot about this and they have told me not to worry about it????

I'll keep you posted.

tigerfeet2006

Sorry to hear that Claire but as SW says it has got to be better than pre-BR and at least it is not a lot, you still get to keep 50% of your surplus and you will definitatly see an end to it in 36 months.

£160 ish seems to be the limit we are generally seeing on HK now a days for single people

It will be interesting to see what the paperwork says. When it arrives why not pop up the SOA here.

((((hugs))))

Glad you had a good holiday at least. Where's me postcard? :mad: