OR Interview tomorrow

FeelingLow

thinking of you this morning hun !!{hugs}}

philnicandamy

Good luck waspeze hopefully its all finished and sorted now......what was the fuss about

betterlatethannever

Hi Wasp, Yes, i've recovered enough to start all over again :rolleyes:

c,mon. put us out of our misery, how'd it go??

Waspeze

Well, what can I say

Really nice bloke.. talked for about half an hour, totally understood how i'd got to where I was etc..

Get to keep my car and pension.

IPA is probably going to be about £200, I was hoping for 100-150 and fearing 300 so bang in the middle which is fine.

More so now than after court I feel as if a big big weight has finally been lifted, just sitting at my desk at work with a huge grin on my face

I AM DEBT FREE!!

Just want to bounce around now (i'm a 35 year old bloke :rotfl: )

Thanks again to all of you :beer:


When I get a moment i'll post up my originally I&E and compare it to what he accepted.. it might help someone?

philnicandamy

Thats great news waspeze really pleased it all went pain free..even better news you can kep the car & pension....time to get on & enjoy your debt free life now

and....congrats (who cares if you look silly bounce yourself daft!!)

betterlatethannever

Let them ^ do the bouncing around for now, your work mates might think you've lost it:D

Great news about the car/pension and IPA.

I can actually hear the relief in your message and you seem so upbeat now:T

You really are debt free and over the worst,

:beer: Drinks on you tonight then:rolleyes:

Waspeze

Definitely drinks on me

I can't explain how much the relief is flowing through me :D

Smokefree and debtfree... finally the future looks good!!

Waspeze

Right, here goes with the expenditure:

It's for a single bloke living in a one bedroomed flat.

Rent 625 Ok
Housekeeping 200 reduced to 163
Gas, Electric etc 50 Ok
Water 25 Ok
Telephone (inc mob) 50 reduced to 30
Travel 150 Ok
Clothing 35 Ok
Maintenance/Fines 0
Council Tax 70 Ok
Student Loan 105 Ok (asked if this was the minimum they'd accept
which it was)
Contents Ins 10 Ok
Tv License 12 Ok
Car Ins 18 Ok
Haircut 7 Ok
Opticians 10 Ok
Dentist 20 Reduced to 10
Prescriptions 7 Ok
Tax/MOT/Service 35 Ok
Holiday 35 Reduced to 15
Xmas/Birthdays 15 Disallowed, reduced to 0
Emergencies 20 Disallowed, reduced to 0
AA 5 Ok

So my expenditure was reduced from 1524 down to 1382.

Obviously this is only what my OR accepted (and disallowed) so others will no doubt be different!

I've still got to wait for his letter confirming all this but he said that this was what it'd show. He was basically looking for abnormally high amounts.

colmac71

Thanks for that latest information
Just going through stages of going for BR and this gives me an excellent idea of what to aim for
Thanks

FeelingLow

thats great news