BR Petition Wed 18th June 12:30, I&E

itydntk

Lorem ipsum

shadowdragon

have a look at my I and E form, you have got so many things on there that just wont be allowed, Internet, newspapers, drinking, eatting out ect, all your allowed is basic living costs, not to continue with your lifestyle as it were before BC. any extras will come out of your surplus after they have slapped you with your IPA!!!!

http://forums.moneysavingexpert.com/showthread.html?t=974121

itydntk

Lorem ipsum

blind-as-a-bat_2

you are correct internet will be allowed if for work (or study for that matter) so no need to hide it, although be prepared to provide proof, seldom heard of but can be asked

shadowdragon

itydntk wrote: »

Internet - I'm an IT consultant that works from home 4 days a week so I believe I'm ok on this though will list it as Telephone only.

Contact order dictates that I see my daughters at a location which means I must eat out with them once a week, as well as driving 540 miles per month to see them as well as 320 miles per month to work.

Newspapers - agreed this is a given that will go.

Fair enough thats something the OR will have to accept I suppose and a very valid reason too. Maybe putting that cost together and calling it Access/contact with my daughter.

Garden maintenence??? I would love someone to come on and say thats allowed!!!
Drinks at home, thats not really an essential (unless its medicinal hehe)
Drinking out? is this while you have contact, or just social down the pub? if down the pub i doubt it v much.
Cleaning products I combined mine into food bill as per CCCS.

Theres loads of non essentials and reading this site and compiling my I and E I very much doubt will be allowed.

Would be interested to know if school fees are allowed seeing there are other Free options to private education???

blind-as-a-bat_2

shadowdragon wrote: »

Fair enough thats something the OR will have to accept I suppose and a very valid reason too. Maybe putting that cost together and calling it Access/contact with my daughter.

Garden maintenence??? I would love someone to come on and say thats allowed!!! so would i....hate gardening, but not allowed im afraid
Drinks at home, thats not really an essential (unless its medicinal hehe)
Drinking out? is this while you have contact, or just social down the pub? if down the pub i doubt it v much.I wish i could get JD on prescription too:p doubt it will be allowed at all, even considering the ops previous responce
Cleaning products I combined mine into food bill as per CCCS.

Theres loads of non essentials and reading this site and compiling my I and E I very much doubt will be allowed.

Would be interested to know if school fees are allowed seeing there are other Free options to private education???

sorry shadowdragon it was easier and quicker to add it to your responce

blind-as-a-bat_2

31.7.34 Social and entertainment expenses

No allowance should be included in the IPA/IPO calculation for items such as cigarettes, alcohol, recreational drugs, betting etc. As with additional holiday funds, (see paragraph 31.7.26) social and entertainment expenses should be funded from the amount of surplus income left with the bankrupt after the deduction of the assessed IPA/IPO. Only in exceptional circumstances should the official receiver/trustee allow any flexibility concerning these expenses, where other outgoings claimed by the bankrupt do not sufficiently provide for the reasonable domestic needs of the bankrupt and his/her family

(see paragraph 31.7.4 & paragraph 31.7.6).

the oficial line

blind-as-a-bat_2

Grrrrrrrr dam internet dropping out:mad: as i was going to add you may be able to argue the expenses for your visits as that paragraph implies, after all:D

shadowdragon

blind-as-a-bat wrote: »

sorry shadowdragon it was easier and quicker to add it to your responce

No problems, as long as OP gets his forms correct thats the important bit :D

lindsaygalaxy

Hi,

how many people is this for as I think much of it will be dissalowed. If you dont mind me askign how much is your debt as with an income so high is there no way to avoid BR? If you have been given this as advise and you feel it is the best way forward then im sure it is the right choice.
From the advice I have been given, here is what I think :

Mortgage/Rent: £1,250.00 (have you recieved advice that you are in negative equity?)
Buildings & Contents Insurance: £19.25
Council Tax: £208.00 (This is very high, have you checked your banding?)
Water Rates/Meter: £42.00
Gas £87.00 (this is quite high)
Electricity £21.00
Garden Maintenance £30.00 (I dont think this will be allowed)
Cleaning Products/Cleaner £30.00 (I dont think this will be allowed)
Home Phone £70.00 (is this business costs? Is very high)
Internet £22.00 (will need to prove is for business)
TV Licence £12.00
Mobile Phone £35.00(will need to prove is for business or too will be too high)
Level Term £200.00 (sorry what is this?)
Travel £3.33
Food and Household Shopping £500.00 (A family of 4 is only usually allowed around £440)
Eating Out £129.90 ( Dont think this will be allowed)
Coffees/Sandwiches/Snacks £43.30 (dont think this will be allowed)
Drinks for Home £86.60 (This wont be allowed)
Drinking Out £129.90 (This wont be allowed)
Meals at work £86.60(This wont be allowed, especially if you say you work from home 4 days a week)
Breakdown Cover/Roadside Recovery £18.33
Rail/Bus/Coach/Taxi £16.67
Car Maintenance £50.00 (quite high, what is the value of your car, if over max £2000 it wont be allowed)
Car Insurance £33.33
Car Tax £15.00
Parking £12.00 (dont think this will be allowed)
Petrol/Diesel £216.50 (will need to prove this amount)
Child Maintenance £790.00 (will need to prove but should be fine)
DVD/Video Rental £10.00(this will not be allowed)
IT/Computing (eg Anti-virus etc) £2.50 (may need to prove for work)
Pet Costs £10.00 (can up this)
Big Days Out £16.67 (wont be allowed this)
Books/Music/Films/Computer Games £60.00 (wont be allowed)
Cinema/Theatre Trips £15.00 (wont be allowed)
Family Days Out £50.00 (wont be allowed)
Dentistry £10.00 (I think this can be increased)
Haircuts £10.00 (I think this can be increased)
Optical Bills £26.00 (This is high will need to prove)
New Clothes £50.00 ( I think this is too high for 1 person)
New Children's Clothes £50.00(this may be able to increase)
School Fees £1,200.00 (not sure if they allow this? Soemone please advise?)
Christmas £83.33 (not usually allowed)
Summer Holiday £83.33 ( I think you can try for £80-100)
Winter Holiday £41.67 ( sorry cant have 2 allowances for this)
Birthdays £66.67 (Dont think you will be allowed this)
Sofa/Kitchen/TV £16.67 (sorry another no)
Newspapers & Magazines £23.82(sorry no again)

im sorry to be sounding so pesimistic, I just dont think it is realistic. I hope someone else can help too.

maxmycardagain

someones avin a larf.....

i thought jeremy beadle was dead!