Help

queenie1_2

Hello all, a few questions if you dont mind...

1 would anyone know if my alcohol licence will be affected with br?
2 do the OR check all recipts and bills, or is it your word?
3 an iva will cost me about the same as br each month but 3 yr for br and 5yr for iva. What should i do?
4 can someone send me the % that you pay back on your surplus income? I cant find it.
5 help on being single doing inc & exp are we allowed holiday fund etc?

6 how dose this look i share a house with one other person : income £1120.00
rent £400.00
electric £60.00
c tax £40.00
water £40.00 both
tv £5.00
mob £30.00
food £140.00
pets £20.00 x 2 cats
clothes £40.00
hair £20.00
maintance £20.00
dry cleaning £20.00 work suits
public transport £20.00 no car
holiday £20.00
perscriptions£6.75
personal hygine £20.00

= £901.75 leaving £218.25 for OR who takes a % is this right?

Thank you wonderful peeps
xx;)

betterlatethannever

Hi Queenie.
I can only help you with one of your questions at the moment, but i'm sure someone else will be along soon to help you.
Q4....

This is a table of IPA percentages that you can expect to pay on any surplus income:
1st Column=SURPLUS INCOME
2nd Column=AMOUNT TO BE PAID
3rd Column=% OF DISPOSABLE INCOME

50 Nil
60 Nil
70 Nil
80 Nil
90 Nil
100 50 50
110 55 50
120 60 50
130 65 50
140 70 50
150 75 50
160 80 50
170 85 50
180 90 50
190 95 50
200 100 50
210 105 50
220 110 50
230 115 50
240 120 50
250 150 60
260 156 60
270 162 60
280 168 60
290 174 60
300 180 60
310 186 60
320 192 60
330 198 60
340 204 60
350 231 66
360 238 66
370 244 66
380 251 66
390 257 66
400 264 66
410 271 66
420 277 66
430 284 66
440 290 66
450 297 66
460 304 66
470 310 66
480 317 66
490 323 66
500 350 70
510 357 70
520 364 70
530 371 70
540 378 70
550 385 70
560 392 70
570 399 70
580 406 70
590 413 70
600 420 70

betterlatethannever

queenie1 wrote: »

Hello all, a few questions if you dont mind...

1 would anyone know if my alcohol licence will be affected with br?
2 do the OR check all recipts and bills, or is it your word?
3 an iva will cost me about the same as br each month but 3 yr for br and 5yr for iva. What should i do?
4 can someone send me the % that you pay back on your surplus income? I cant find it.
5 help on being single doing inc & exp are we allowed holiday fund etc?

6 how dose this look i share a house with one other person : income £1120.00
rent £400.00
electric £60.00
c tax £40.00
water £40.00 both
tv £5.00
mob £30.00
food £140.00
pets £20.00 x 2 cats
clothes £40.00
hair £20.00
maintance £20.00
dry cleaning £20.00 work suits
public transport £20.00 no car
holiday £20.00
perscriptions£6.75
personal hygine £20.00

= £901.75 leaving £218.25 for OR who takes a % is this right?

Thank you wonderful peeps
xx;)

Hi Queenie.
Q1.From the searches i've done it seems theres no problem with having a licence for alcohol.
Q2. The Or will want to see all previous bank and Cc statements. How throughly they check them all, i'm unsure, but i'd guess they do go through them looking for any obvious signs of excessive spending.
Q3. ? Yo need to seek advice from one of the free debt agencies.....
Your local CAB Office and ask to speak to a 'money advisor'.
The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111
National Debtline - Tel: 0808 808 4000
Payplan - Tel: 0800 917 7823.
or visit
http://www.cccs.co.uk/
http://www.nationaldebtline.co.uk/
http://www.citizensadvice.org.uk/index.htm

If you do decide on the route of Br then the judge will want to know that you've sought advice from one of the above. There all a great help anyway, so worth the call!

Q4. done.
Q5. Most OR's allow for a holiday, but how much they allow varies from Or to OR. Best to aim high and let them decide if its too high. (£30-40 seems to be an average)
Re your I&E, i'd put your personal hygenie in with food, and take a look here
http://www.hmrc.gov.uk/manuals/dmbmanual/DMBM800120.htm. i think you could ceratinly up your food bill a little.
It looks like you'll pay approx £110 for an IPA.
Hope that helps a little.