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  • FIRST POST
    • LincsPaul
    • By LincsPaul 14th Dec 17, 12:29 PM
    • 131Posts
    • 66Thanks
    LincsPaul
    SOA advice please
    • #1
    • 14th Dec 17, 12:29 PM
    SOA advice please 14th Dec 17 at 12:29 PM
    Hello I'm posting this on behalf of a friend who is having trouble logging in to the forum. Her monthly expenses add up to 915 right now and she has a job where she earns 900. No IPA at the moment. She has the opportunity of a new job earning the dizzy heights of 1000-1100 but is worried about taking it because she may get an IPA. Crazy really, considering her low wage.

    Does anyone have experience of the OR's treatment of relaively low earners? Any ideas for areas which could be increased a tad? She has no dependents, unmarried etc.

    Rent inc. bills in a house share 450
    Medicine 10
    Dentist+opticians 35
    Public transport (for work-no car) 75
    Phone 25
    Presents 10
    Groceries 130
    Toiletries 70
    Hair 10
    Domestic expenses 20
    Clothing 50
    Holidays 20
    Emergency fund 10
    TOTAL 915 /month

    INCOME 900 / month
Page 1
    • luvchocolate
    • By luvchocolate 14th Dec 17, 12:39 PM
    • 1,555 Posts
    • 1,411 Thanks
    luvchocolate
    • #2
    • 14th Dec 17, 12:39 PM
    • #2
    • 14th Dec 17, 12:39 PM
    I was a low eaner approx 1,000 and my examiner moved items around to avoid an I.P.A.
    The groceries can certainly go up by another 100, another 10 on hair.
    • LincsPaul
    • By LincsPaul 14th Dec 17, 12:54 PM
    • 131 Posts
    • 66 Thanks
    LincsPaul
    • #3
    • 14th Dec 17, 12:54 PM
    • #3
    • 14th Dec 17, 12:54 PM
    Nice to hear a positive story! My dealings with the OR have been positive too so I hope my friend has a similar experience to yours.

    As she submitted the above SOA at the beginning is there a possibility the OR would take a dim view of food suddenly increasing by 100, for example? Or is each one taken on its individual merits?
    • luvchocolate
    • By luvchocolate 14th Dec 17, 1:01 PM
    • 1,555 Posts
    • 1,411 Thanks
    luvchocolate
    • #4
    • 14th Dec 17, 1:01 PM
    • #4
    • 14th Dec 17, 1:01 PM
    they put down what they could afford for food...now more income they can afford to eat better.
    When do they become discharged?
    • Tarambor
    • By Tarambor 14th Dec 17, 1:04 PM
    • 3,026 Posts
    • 2,189 Thanks
    Tarambor
    • #5
    • 14th Dec 17, 1:04 PM
    • #5
    • 14th Dec 17, 1:04 PM
    Rent inc. bills in a house share 450
    Medicine 10 For what? She can get a prescription certificate if she needs a lot of prescription drugs.
    Dentist+opticians 35 NHS dentist and opticians
    Public transport (for work-no car) 75
    Phone 25
    Presents 10 Broke, can't afford them.
    Groceries 130 Far too much for a single person, 10-20 a week for food shopping should be the target
    Toiletries 70 Again far too much, should be less than 20 a month. Needs to cut back on the smellies.
    Hair 10
    Domestic expenses 20
    Clothing 50 Needs to stop buying some for a while. What she has should last a few years.
    Holidays 20 She's broke, she can't afford to go on holiday
    Emergency fund 10
    TOTAL 915 /month

    INCOME 900 / month
    Originally posted by LincsPaul
    So adjust what I've mentioned in red and there's between 150 and 200 in savings. Whilst I understand that she wants to increase what she puts down the truth of the matter is that she is already above what you can live for. I doubt that she'll get an IPA on an income of 1000 a month.
    Last edited by Tarambor; 14-12-2017 at 1:06 PM.
    • bewildered1
    • By bewildered1 14th Dec 17, 2:10 PM
    • 61 Posts
    • 37 Thanks
    bewildered1
    • #6
    • 14th Dec 17, 2:10 PM
    • #6
    • 14th Dec 17, 2:10 PM
    Tarambor, the OP has made it clear that their friend does not want an IPA. To try to ensure this they are asking for advice on whether or not they are putting all allowable expenses.

    You advised them to lower their expenses. This is bad advice as it would most likely result in an IPA. Just because someone can live on less doesn't mean they have too, especially when trying to avoid an IPA.

    To say that it's unlikely they will get an IPA if they earn 1,000 per month is also bad advice. An IPA will likely be given if you have 20 or more per month left over after expenses regardless of how much you earn.
    • LincsPaul
    • By LincsPaul 14th Dec 17, 2:13 PM
    • 131 Posts
    • 66 Thanks
    LincsPaul
    • #7
    • 14th Dec 17, 2:13 PM
    • #7
    • 14th Dec 17, 2:13 PM
    Firstly, the question was: what allowances will the OR agree to, not how cheaply can a single person live. The original numbers above have already been accepted by the OR so ask yourself why on earth would she or they be looking to decrease them?

    Secondly, she isn't broke, she's an undischarged bankrupt with a job, liveable salary and no debt.
    • IAmWales
    • By IAmWales 14th Dec 17, 2:16 PM
    • 1,860 Posts
    • 3,925 Thanks
    IAmWales
    • #8
    • 14th Dec 17, 2:16 PM
    • #8
    • 14th Dec 17, 2:16 PM
    Tarambor, the OP has made it clear that their friend does not want an IPA. To try to ensure this they are asking for advice on whether or not they are putting all allowable expenses.

    You advised them to lower their expenses. This is bad advice as it would most likely result in an IPA. Just because someone can live on less doesn't mean they have too, especially when trying to avoid an IPA.

    To say that it's unlikely they will get an IPA if they earn 1,000 per month is also bad advice. An IPA will likely be given if you have 20 or more per month left over after expenses regardless of how much you earn.
    Originally posted by bewildered1
    Freeing up money to pay towards debts is never bad advice.

    OP 70 a month on toiletries is ridiculous, what is she buying? They might allow a little more on food but that should include toiletries.
    • LincsPaul
    • By LincsPaul 14th Dec 17, 2:33 PM
    • 131 Posts
    • 66 Thanks
    LincsPaul
    • #9
    • 14th Dec 17, 2:33 PM
    • #9
    • 14th Dec 17, 2:33 PM
    Food is quite low so I presume toiletries includes all the house cleaning products, personal cleaning, toilet rolls and laundry (not cheap these days).

    From my recollection the forms do not contain definitions for each category, unfortunately. I'd ask for clarification here but my thread seems to be mainly attracting the burn-them-in-hell brigade, who I suspect have no experience of bankruptcy, so I'm not sure how much help they can offer. Thanks for the advice opinions though chaps! ;o)
    Last edited by LincsPaul; 14-12-2017 at 2:39 PM.
    • debt doctor
    • By debt doctor 14th Dec 17, 4:18 PM
    • 4,276 Posts
    • 5,955 Thanks
    debt doctor
    Hi,
    Those expenses are more than reasonable and could be increased if the income allowed. No justification for an IPA.
    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • NekoZombie
    • By NekoZombie 14th Dec 17, 4:28 PM
    • 1,623 Posts
    • 1,505 Thanks
    NekoZombie
    So adjust what I've mentioned in red and there's between 150 and 200 in savings. Whilst I understand that she wants to increase what she puts down the truth of the matter is that she is already above what you can live for. I doubt that she'll get an IPA on an income of 1000 a month.
    Originally posted by Tarambor
    Unnecessarily harsh post. Assuming the person seeking advice is going bankrupt, this is a fresh start for them. That means living within their means, yes, but it does not mean following the same approach as someone looking to free up money to clear debt ASAP.

    Even bankrupts have the right to a certain quality of life once on the other side.
    BCSC Member 70
    .
    • 83dean0
    • By 83dean0 6th Jan 18, 1:57 AM
    • 2 Posts
    • 0 Thanks
    83dean0
    Bet your wife had a blinding Christmas!

    Turkey - Bernard Matthew slices ( 30 or 1.99)

    Chanel No 5 - Britney Spears Perfume ( 70 or 10)

    Come on mate get a grip, 1000 a month to live on is more than reasonable! Just because you go bankrupt, that doesn't mean you should have to suffer! It means a reality check and yes you should live within your means but I don't don't see anything unreasonable here! Perhaps buying strawberries in January not a good idea, wait until July they much cheaper! No need to say any more!
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