It's happening, really happening!

mumoftwins

tigerfeet2006 wrote: »

MOT make sure you tell the OR if you are being harrassed by this shower. The OR will tell them to take a long walk off a short plank.

Thanks Tiger, I did ring OR straight after and they said to ignore the calls!

Got another question - my ex has been made redundant and is stopping paying our maintenance in October. I have worked it out that with IS and full HB I will still be £220.00 a month short on my income now.

Should I inform the OR of this?

mumoftwins

Sorry *bumping*

Scarlett.1974

Hi MoT

I would say it would only be relevant if you have an IPA. Wouldn't hurt to tell him though I suppose, either way. Better to keep them *too* informed than not enough After all, they do say you should inform them of ANY change of financial circumstances

fatbelly

mumoftwins wrote: »

But, am still getting phone calls from Buchanan, Clark and Wells even though I have told them that I was made BR on 16th July. Had phone call today and I asked the guy to check what it says on my file and he said that I am BR, so I asked why he still felt it necessary to call me despite having received letters from CAP and the OR confirming my bankruptcy, he got really snotty with me so I put the phone down on him and when I picked it up a couple of minutes later to phone the OR about it he was still hanging on :eek: .

It's kinda hard to understand the mentality of these people, isn't it?

On the income support question, it's proably best that you do tell the OR, though it's unlikely to make any difference.

£220 per month short sounds a bit concerning. Time for an SoA?

mumoftwins

fatbelly wrote: »

It's kinda hard to understand the mentality of these people, isn't it?

On the income support question, it's proably best that you do tell the OR, though it's unlikely to make any difference.

£220 per month short sounds a bit concerning. Time for an SoA?

Thanks FB, will post SOA tomorrow nattering on phone to Wol2 at mo.

mumoftwins

Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1025.56 this is CTC, CB, IS and HB and maintenance
Other income............................ 0
Total monthly income.................... 1025.56

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 300
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 50 cheapest I can find using Moneysupermarket.com
Gas..................................... 50 cheapest I can find using Moneysupermarket.com

Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 10 combined with tv and broadband
Mobile phone............................ 25
TV Licence.............................. 23.83 paying for new 12 month licence over 6 months, then will go onto monthly D/D which will lower the amount.
Satellite/Cable TV...................... 10 *
Internet Services....................... 10 *
Groceries etc. ......................... 303 (works out at about £70 per week)
Clothing................................ 30
Petrol/diesel........................... 20
Road tax................................ 10.41
Car Insurance........................... 28.74 due for renewal in October so will see if I can get it any cheaper
Car maintenance (including MOT)......... 20.83
Car parking............................. 2.00
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 65 (Swimming and Scouts) averaged out over year allowing for school holidays too
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 11.70
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 25 (3 of us by home hairdresser)
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 30
Total monthly expenses.................. 1075.51

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,025.56
Expenses (including secured debts)....... 1,075.51
Available for debt repayments........... -49.95
Monthly UNsecured debt repayments....... 0
Surplus(deficit if negative)............ -49.95

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -0
Net Assets.............................. 0


This for 3 of us, 2 growing children who seem to eat me out of house and home! I cook fresh meals each day and we eat a lot of fruit. I also go to Costco and bulk buy things like toilet rolls (much cheaper) to try and bring the costs down. Our home is rented and is a detached property so loss of heat as no neighbours adjoining.

mumoftwins

Hi all,

I have received a letter from the OR's office saying that they want to do a telephone interview with me on Friday at 11am :eek: .

Well, I will be able to update them with the news that as of 31st October my exOH is stopping paying the maintenance so I will be £350 a month worse off after taking Income Support into account

deedee_3

Don't panick about it to much MOT. I am guessing that they just want to clarify a few things. Just make sure you have a glass of water near you to counter dry mouth. Just be as honest as you can and don't waffle. Answer the questions he asks but don't offer more than you have to. Also have a pen and paper with you to write notes about what is said and any questions you have as they occur to you.

Best of luck.

beanielou

Think the teloephone interview is just a formality.
Sure it will be fine.

mumoftwins

Thanks all,

Will let you know how it went after I've spoken to them this morning!