new panic

scaredwitless32

Have you given and thought to the vehicle you own? It seems to be a bit of a murky subject as what one OR will allow another will not Have you a good case to put for keeping it?

cdboy

thanks all for looking at my i&e form which i've adjusted.would anyone mind having another look.getting very desperate as next tuesday is looming fast and i've got limited time this week to get organised.
Income £1150
Expenditure.
rent £475
hk £210 ( realise this might be reduced by or)
tel £40
travel £170
clothes £50
essential payments £55 (car tax,insurance, mot,repairs)
£20 dental and prescription charges
£30 hairdresser,optician and emergencies
When i entered into the dmp with cccs i was in a higher paid job,shortly afterwards i took another job which promised overtime but for health reasons i haven't been able to take advantage of it and my earnings are a lot less.my elderly mother has been subsidising me and i feel very ashamed about this. i know i should have gone back to cccs but when all the threatening letters had stopped i was reluctant to give them a reason to start again.
very embarrassed at this admission, what a fool i am.

dalip

Hi
if it was me i would put dental,optical and perscriptions under one heading.Then hairdresser£10 under another then birthday/holiday/emerg£40 at least.All the rest looks ok.Have you any pets as they usually allow £19 for pets. Good luck for nxt wk.

cdboy

Hi, have taken all advice and seem to have got my expenses to £1080.will i be allowed £99 on top of this ( which would account for all of my wage ). if i'm a few pounds in credit e.g.if he disallowes my HK will i be forced into an IPA and would this prevent me from being discharged after 1 year?
Thanks again for all your support.

scaredwitless32

cdboy wrote: »

Hi, have taken all advice and seem to have got my expenses to £1080.will i be allowed £99 on top of this ( which would account for all of my wage ). if i'm a few pounds in credit e.g.if he disallowes my HK will i be forced into an IPA and would this prevent me from being discharged after 1 year?
Thanks again for all your support.

Hi
It seems the threshold for surplus money before an IPA is sort is £99, If an IPA is applied to you, (you have to agree to it ) then you will still be discharged after your 12months, (or earlier if its possible at OR discretion ) but your IPA will run for 36 months from the date it is applied HTH

dalip

Hi I had surplus of £117 and my IPA is for £50 a mth. I have now changed jobs so just filled in a new IPAQ so my not have to pay that now:D .From what you have said even if your OR knocked back some of your hk your IPA(if you get one) would not be too bad anyway.

Vici

Just so you know, you can get 5 frozen ready meals in Tesco for £4