DRO expenditure guides for anyone going through a DRO

1cheshire

wkda.org.uk/downloads/expenditure_guide.pdf

i cant post links so just add www. to the start.


hope this helps people out.

DorisTrousers

These look suspiciously similar to the Stepchange guidelines currently used for DMP's and IVA's.

They bear no relation to expenditure guidelines on the Common Financial Statement, which Intermediaries refer to for DRO's.

Shoe-horning people into unrealistically low levels of expenditure, as these guidelines are designed to do, is not what a DRO is all about.

wba31

DorisTrousers wrote: »

These look suspiciously similar to the Stepchange guidelines currently used for DMP's and IVA's.

They bear no relation to expenditure guidelines on the Common Financial Statement, which Intermediaries refer to for DRO's.

Shoe-horning people into unrealistically low levels of expenditure, as these guidelines are designed to do, is not what a DRO is all about.

do you have a copy of the StepChange guidelines? i cannot find them online?

I struggle with your comment about shoehorning people into low levels of expenditure, on the cases i have referred their broken down guidelines always seem to coincide with CFS. In some cases they have allowed over CFS on telephone and travel expenditure

mwarby

I think they intenionally not public, as you should be submitting a statement based on what you spend. If the figures were widely available the risk is that everyone claims max for everything

fatbelly

There are many problems with the budget sheet linked to earlier.

This should NOT be used as guidance for a DRO.

DorisTrousers

WBA31

Yes I do have a copy, but we seem to have gone down this road before, as per this previous thread on the subject.

https://forums.moneysavingexpert.com/discussion/4596505

Given that the CFS guidelines have been increased since that debate, whilst others haven't, makes it all the more relevant to consider re-visiting it before trying to suggest that all the "extras" make up the difference, when clearly they don't..

wba31

DorisTrousers wrote: »

WBA31

Yes I do have a copy, but we seem to have gone down this road before, as per this previous thread on the subject.

https://forums.moneysavingexpert.com/discussion/4596505

Given that the CFS guidelines have been increased since that debate, whilst others haven't, makes it all the more relevant to consider re-visiting it before trying to suggest that all the "extras" make up the difference, when clearly they don't..

before you start getting the knives out, I only speak from my own experience that contradicts every argument you've ever made about it all, and you know i speak from a position on here that we should encourage advice from all free debt advice providers, or risk people falling into the trap of fee chargers... I have my own opinions about some free advice providers but these forums, where people are after help and advice, is not a suitable place to be airing those opinions. ultimately it helps no-one if we start debating endlessly

wba31

In other news, reading that thread back reminded me of something i heard that affects us all - no matter what our opinion - as we all have the same goal (free debt advice).

The FCA stuff - something like enforcing a set of guidelines? not 4 areas like CFS, not all broken up like SC... not sure if it's gonna happen or was just an idea...

fatbelly

Are you thinking of the MAS Standard Financial Statement? It was due to be introduced in April 2015, which is why the April 2015 update for the CFS was not made at the time, and only about 5 months later when it was realised that MAS was hopelessly behind schedule (again).

As late as August MAS were still saying it would be introduced 'this year'

https://www.moneyadviceservice.org.uk/en/corporate/over-40-000-more-consumers-benefit-from-free-debt-advice

Not much of this year left now.

PasturesNew

*sighs*
If only .....

Single Person c.£210/mth food, toiletries & cleaning

I've rarely had a life where I had that much left over after the roof's over my head, council tax is paid, basic/minimum household bills are paid and a basic car's kept on the road in order to get to work.

1cheshire

iv got to be honest, there are a lot of people on here that just aren't very helpful at all, doristrousers being one of them. i however am not put off and can confirm that my friend has just been accepted today and the link i posted earlier was in fact a fairly good guide according to CAB. he spends £350 on food for him his wife and 1 child and that was perfectly acceptable along with pretty much everything else on that fact sheet.
use it... don't use it. but i don't see any of the so called experts on here giving any information about expenditure guides. just preaching, you shouldn't be doing this or shouldn't be doing that. DORISTROUSERS you need to do one from here because you are clearly not helpful at all.