Finally doing it

fatbelly

If our partner refuses to engage that's fine. She won't be harassed

Not sure about the gym membership. If you were receiving a disability benefit you could make a case but I suspect the OR won't like £40 per month on leisure

philnicandevan

user_21 said:

Another question - I'm just about to renew my gym membership (£40) a month. I consider it essential for mental health/keeping me on the straight and narrow. Will the OR see it the same way?

IF you can speak to GP etc for medical proof about gym membership may be allowed.....no proof and the receiver wont alow even mentioning mental health etc...have to agree with fatbelly

user_21

Will the OR want receipts/bank statement proof of every outgoing that goes on to the list? EG - if I say I'm spending £35 a month on my mobile contract - will that be checked?

fatbelly

They can check what they want but in practice not much checking will go on provided your figures are reasonable

luvchocolate

I had to supply them with 2 years bank statements and I years credit card statements 

Morfx

I had to provide 3 years bank statements and 2 years credit card statements.

Upon interview I supplied the documents, had a call back a week or so later asking about certain purchases/ spending.

Best advise... Be honest.. it's a clean break. 👍

philnicandevan

I had to supply 5yrs of statements....missing ones the OR can get easily....

if indeed your mobile is £35 a month the receiver MAY suggest moving to a cheaper supplier (they did with me)

as everyone says be honest and open and 12mnths of bankruptcy will fly by

user_21

philnicandevan said:

I had to supply 5yrs of statements....missing ones the OR can get easily....

if indeed your mobile is £35 a month the receiver MAY suggest moving to a cheaper supplier (they did with me)

as everyone says be honest and open and 12mnths of bankruptcy will fly by

You say 12 months, but its the 3 years of the OR taking my surplus income I'm worried about. On paper I probably have around £1000 "left over" each month, though that's not actually the case - it all seems to go whether that's days out with the kids, birthday presents and whatnot. 

Question for everyone: if I were to move out and rent a new place on my own, max out the "expenditure" side of things a bit by paying, say, £900 rent for my own place rather than half of a "600" mortgage payment as I am at the moment, would that be seen as Fraudulent by the OR?

fatbelly

They're not going to stop you moving out. Do what you need to do.