Im In A Panic Please Help!

lisahelp

Hi to everyone,
Hope someone can help me,i called up the court today to see if they have had any cancelations to be be told to my shock that yes they had and i could go next week instead of the middle of August.This has really got me in a panic.
If anyone has any advice on the following please.
I have been living off credit for so long im not sure on how much to put on the I&E for clothing allowance for 5 people 2 adults and 3 children bare in mind they all need school uniform and school shoes often.


If i can put an amount to save for holidays(how much)?
If i can put an amount for my sons football etc?
How much should i put for christmas and birthdays for 5?
I know this is a long shot but could i put say £5 a week for my kitten he has cost me £45.00 in the last 2 weeks at the vets.

Also would it be ok to change my working tax credit into my partners bank account as i have not got the time now to open a post office account or we will have nothing to live on.

Also is Child Benefit not used to calculate I&E by the OR (how about tax credits do they use them)

Any advice please as i am in real panic and i don't want to be.

betterlatethannever

Hi Lisa. Hey at least you get it all over and done with quicker.
try this for your I&E, i used it and it was helpful
http://www.hmrc.gov.uk/manuals/dmbmanual/DMBM800120.htm

i'm sure someone will come along soon with some more great advice
Good luck!

fermi

Hi lisahelp.

Holidays.

The OR says:

Whilst extravagance is not endorsed in this respect, it may be considered a reasonable domestic need to allow the bankrupt and his/her family to benefit from a non-extravagant holiday as a break from routine. Expensive or luxury holidays (particularly if the holiday is abroad) are likely to cause offence to creditors but an allowance of between £60-£80 per month (amounting to £720-£960 per annum) for a household of 4 people should allow the bankrupt and his/her family sufficient funds to take a moderate annual holiday.

Pets.

Pet food/care should, in general, be included as part of the family housekeeping expenditure when making an income payments calculation. If the bankrupt has not included the cost of caring for a pet within the housekeeping expenditure then an allowance of up to £20 per month can be included for the care of allfamily pets. Should the bankrupt maintain above average numbers of pets, or exotic pets requiring specialist food/care, he/she should be informed that the additional cost of funding the pet(s) must come from the amount of surplus income left with him/her after deduction of the assessed IPA/IPO contribution.

Extra curricular classes/activities for children (football).

Whilst it can be considered reasonable to allow expenditure to be claimed by the bankrupt to fund one extra-curricular activity per dependant child, any claim for additional extra-curricular classes/activities should be funded by the bankrupt from any surplus remaining with them after deduction of the assessed IPA/IPO contribution.

In other words put what is reasonable if you can work out what that is.

Christmas and birthdays I never have a clue about at the best of times.:o

Hope some of that helps.

fermi

Forgot.:o

Child benefit is excluded from any assessment of I&E for the purpose of an IPA.

CTC is included only if there is significant non-benefit related income in the household.

You must put down both on your SOA, but make sure the income sources are itemised so the OR can see what comes from each source.