The OR

nomoneyprobs

tigerfeet2006 wrote: »

Ian as I said to Gaz your I&E will change when you go back to work so let us know when you come to submit a new one to the OR.

I will do thanks:money: , I was just trying to reasure gaz that he's not the only 1 out here juggling the work / ipa thoughts.

Gaz1971

Ok, may be a dumb question but Ill ask anyway, when you give your I&E to the OR do you have to prove you spend what you say on the various things? I have seen you say you can help me with my I&E but is it a case of just supplying figures or do you have to back them up with proof?

They will no doubt want details of my new bank account, will they be able to check what goes in and out of it?

tigerfeet2006

Right! when you look at your statements you will see how much you pay for your utilies etc. by standing order/DD's but there will incidentals that you will pay for when you take cash outthat you will might miss. Also there might even be DD's you miss as well. We will just make sure it is as full as it possibly should be and you write everything down. Also there might be things you could afford if you weren't paying all those debts.

Gaz1971

Yes but do I actually have to be spending on those things, for example house insurance?If I say I am paying for that DO I actually have to be paying for it?

Im still not sure as to whether I need to tell them about my new account opened after BR, do I?

tigerfeet2006

If you are paying for insurance then you put it down. Do you have house insurance now? Could you afford it if you weren't in debt?

You have to list all your accounts on the form.

Gaz1971

What form?I listed my bank accounts on the BR forms but this is the Co Op account I opened after BR

tigerfeet2006

Sorry sweet I keep forgetting you've gone BR.

You completed an I&E when you filed your BR form with the court. That is the one the OR will work with. When you get a new job and your wages go up you get another form and fill it in and send it to him.

If you are not paying House contents insurance at the moment then obviously with more money coming in you would want to as it is prudent to. What we are saying is if we look we might see something like that that you might miss and it could mean the difference between an IPA or not.

We could never afford breakdown cover but we will when we are BR. My husbands a teacher so has to have his suits dry cleaned . Also he has to buy new suits regularly as being a science teacher means nasty things get spilt on them Do you get my drift?

Gaz1971

Yes I get you, petrol usage goes up etc.

Do I tell them about the new bank account opened after BR?

fermi

Gaz1971 wrote: »

Do I tell them about the new bank account opened after BR?

Not unless they specifically ask.

Gaz1971

When you are BR and return to work, what tax code do you get?