DRO assessment

Penguin666

Hi

Me and my husband split our rent 50/50 along with everything else. This leaves us with £100 surplus. My question is, if I pay 60% of rent then I'll be able to apply for DRO or would they declined as the bills need to be split evenly?

he would then use the £50 extra to pay off his small loan quicker. I know this seems wrong but I feel like in terms of outgoings etc, people can always manufacture their outgoing to qualify, right or wrong.
Thanks

HappyMJ

Penguin666 wrote: »

Hi

Me and my husband split our rent 50/50 along with everything else. This leaves us with £100 surplus. My question is, if I pay 60% of rent then I'll be able to apply for DRO or would they declined as the bills need to be split evenly?

he would then use the £50 extra to pay off his small loan quicker. I know this seems wrong but I feel like in terms of outgoings etc, people can always manufacture their outgoing to qualify, right or wrong.
Thanks

You can either split expenses 50/50 or relative to each of your earnings. If you earn £600 a week and your OH £400 a week you can split the household expenses 60/40.

You can usually allocate more than you actually spend on housekeeping (groceries). There's no need to shop at discount supermarkets. You can put down a figure that you would have spent had you gone to a mid-priced supermarket for your weekly shop and got the branded version of everything in one shop. There's also no need to buy reduced priced or own brand supermarket products so try one week not trying to save money in a weekly shopping trip and see how much you "need" to spend each week for all of your essentials and use that figure.

Penguin666

Thank you for the reply. What is we both earned the same amount? Could she pay 60% in order to qualify? How would this be verified by the insolvency service as it would just be in her name. Would they want to see my details too? Thanks

HappyMJ

Penguin666 wrote: »

Thank you for the reply. What is we both earned the same amount? Could she pay 60% in order to qualify? How would this be verified by the insolvency service as it would just be in her name. Would they want to see my details too? Thanks

No to change the ratio you need to show how you've justified the different contributions to the household pot. It can be set at 50% and you don't have to show any proof of the partners income. Contributing more than 50% requires proof of the other persons income.