Another bad day....................

debtsucks

AmIdone4? wrote: »

Hi Debt sucks:),

I would have thought your car would be OK, as you're not the one going BR.

hi i understand they cant take my car. but my petrol and tax ins etc would come out of his soa as i dont work

But your OH's is going BR, it would depend on whether the car is essential for getting to work, or simply convenient (not being funny:), that's how they look at it), and do the people he picks up work for him?

hi yes the people who picks up for work for him

If so that would be another case in your favour. That said, someone will clarify in a minute I'm sure, but I think cars under £2000 may be exempt anyway?

many thanks for the reply

Cheers.

thanks for the reply

debtsucks

dalip wrote: »

ClaireLW
Too much h/k £450?. The rule so i am told is approx £7 per day per adult. Someone today who is single,rents a room at their parents was told to put down at least £150. So to me £450 for a family of 4 including all cleaning products and toiletrees(sp) is actually a little on the low side. Then again i am no expert:o See what others say debtsucks.

hi dalip thanks for the reply, i have been informed that 450 would be a rough guide for a family of four also, suppose we will have to see!!!

the car situations stressin me at the min, i have a different worry every day:o

tigerfeet2006

debtsucks wrote: »

hi here it is

INCOME

2185 (hubby wages
120 (family allowance)

no wftc (as when he was self employed he was SUPPOSED to be earning good money, so never applied for it, not sure if we can now though with hubby going BR soon??? I DONT WORK, 2 YOUNG CHILDREN AND NO FAMILY NEAR FOR SUPPORT WE HAVE 2 CARS I HAVE A BANGOR AND HUBBYS NOT MUCH BETTER , THATS WHY YOU WILL SEE 2 LOTS OF CAR TEXT, INSURANCE, MY CAR IS NEEDED FOR CHILDRENS SCHOOLING AND ACTIVITIES

HUBBY WORKS 12 HOUR DAYS AND NEEDS CAR FOR WORK

OUTGOINGS

BT PHONE 30.00
MORTGAGE 836.00
CAR TAX X2 20.00
HAIR (FOUR OF US) 20.00
DENTIST 10.00
PRESCRIPTION 6.00
SWIMMING LESSONS 40.00 (PER MONTH FOR 2 CHILDREN)
XMAS 20.00 Maybe put under personal expenses
SCHOOL DINNERS 60.00 (15 PER WEEK FOR 2 CHILDREN)
PETROL (FOR 2) 180.00
CLOTHING 100.00 (FOR FOUR OS US) You could up a little more £120/130
FOOD 450.00 this is fine
WATER 30.00
TV 11.00
INTERNET 18.00 include in your phone amount and don't mention
MOBILE(HUBBY WORK) 30.00
GAS AND ELECTRIC 83.OO
CAR INSURANCE MINE 39.00
CAR INSURANCE HIS 37.00
HOUSE INSURANCE 20.11
COUNCIL TAX 111.00
DRY CLEANING (DH JOB ) 10.00
REPAIRS MAINTENANCE
FOR BOTH CARS 40.00

You can also allow £60 for holidays


TOTAL OUTGOINGS 2201

It doesn't matter to much if you are over your income. Just say you are trying to get it down to the OR. You will need to write a letter on why you need to keep both cars ie distance to school and lack of buses. If they do disallow your car you may be given the oppurtunity to buy it back. Once you have gone BR then check Martind articles and get those insurances down.

EDIT: Have a look at this link to help you prepare your letter to the OR.
http://bankruptcy.informe.com/cars-and-bankruptcy-dt72.html

AmIdone4?

debtsucks wrote: »

thanks for the reply

Hi debtsucks,

Yep when I posted it, I'd forgotten your OH was the sole earner and as you say will pay fuel & tax.

Someone who can categorically answer your questions will be along in a bit.

Cheers

debtsucks

tigerfeet2006 wrote: »

It doesn't matter to much if you are over your income. Just say you are trying to get it down to the OR. You will need to write a letter on why you need to keep both cars ie distance to school and lack of buses. If they do disallow your car you may be given the oppurtunity to buy it back. Once you have gone BR then check Martind articles and get those insurances down.

thanks for the reply when you say put internet in with phone, do i put internet phone and mobile under one heading or

phone/ interenet together then the mobile!


the thing with the car is hubby would be the one paying for the taxes and insurances and this is worrying me:o

tigerfeet2006

Just put it down as Phone-£48 and Mobile-£30

I am afraid no-one can give you a definitive answer on the cars. It can very much depend on the OR. But if he says no, then see if you can offer £50-100 for yours, then with your allowances maxed as far as you can and the insurances down as far as you can you might still be able to afford it.

debt_doctor

Hi,

Obviously your car is safe as you said because you are not going br. It all depends if the OR finds that the car for your OH is essential and I think he makes a very good case for just that.

The OR cannot decide whether you need a car or not, but can disallow the payments from the BR person towards running the car.

If you check out Tigerfeets comments on your SOA then they are very realistic, although I feel that the swimming lessons may be disallowed. I dont see how OH could get an IPA on those fiquires. Dont forget child benefit does not count as income for a proposed IPA.

Good luck

DD

tigerfeet2006

Hi DD :wave:

I thought that you were allowed at least 1 activity per week, per child

debt_doctor

As an extra thought, The amount OH has put down as income is that net income ( profit) after all his business expenses have been deducted ? If his car is for business use then all its costs should come off the gross earnings from invoices along with such things as stationary, car repairs, and any other costs associated with the business including tax and NI costs.

This may reduce the amount of net income your OH has, which is the income assessed for the IPA .

DD

debt_doctor

Hi Tigerfeet,

Yes that is one of the " possible" allowances along with the haircuts, holidays,etc. I usually find that they will disallow often one possible allowance perhaps saying that if you wish to provide swimming lessons then perhaps the average non BR family would reduce their holiday savings as a result. I am not saying I agree, just that it does happen.

DD