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| T O P I C R E V I E W |
| CMJ |
Posted - 01 June 2009 : 11:55:01
Hi Guys
I'm having a really bad day and would appreciate advice on where to go from here;
Myself and my husband were declared BR in Nov 08.
We filled out forms for ED 4 weeks ago, and are in the process of buying back BI as in neg or very little equity. Today my husband has recieved a request for £450.00 per month, as we have hardly any Di I dont know how they have come to this, my concern is we cant afford this and will not be able to live. I amj still waitng to hear about any IPAm for myself, although god knows how I will pay for it.
Please look through our income and expenditure and offer advice, can we challenge tghis and how???
Income; husband approx 2700 per month
Me approx 580 per month
Older son board 60
family allowance 130 reducing to 80 in sept when son leaves college.
Tax credits 0 as have overpayment.
Total £ 3470
Outgoings as given to OR
MORTG 970 [on variable so could go up]
gas and elec .200
water 70
bt, mobiles broadband 120.00
travel including petrol 320 fuel for 2 cars, I use mine for work and hubby travels over an hour to work, school bus 60, college bus 30.
clothing 80
council tax 138
other essential payments £420.00 = 135 car payment OR agreed for us to keep for work,tv license 12, 40 pet insurance, 20 life insurance, 70 car maintance, and tax.car insurance 65, contents insurance 26, mortgage life protection 52
625 food , cleaning products and dog food
65 medical and haircuts
40 school trips
20 pocket money
200 hols xmas birth and emergency fund
Total=£3358
DI = £112 !!!!!!!!!!!!!!!!!!!!!!!
We dont live an extravagent lifestyle and although my son only pays 60 board, my other son lives at home and dosnt earn enough to pay board so I feed 6 people on the 600 a month,[ which also includes packed lunches]
Can we appeal and how what are our chances?
I only work 2 days per week but realise if I increase that the OR will want a cut of that so dosnt seem worth it!! Also my husband has just started a new job if he gets bonuses where do we stand there also with annual payrises??
Sorry for the long post but am mworried sick now....thought it was all a little to good to be true..
Thanks Michelle
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| 9 L A T E S T R E P L I E S (Newest First) |
| Niobe |
Posted - 07 June 2009 : 15:01:56
I was wondering that as well!
The glimmer gets brighter all the time
Jan
xx |
| Skippy |
Posted - 07 June 2009 : 13:22:19
Just our of interest what don't you agree with Deedee?
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
23 IPA payments made, 13 to go - on the home straight! |
| Deedee |
Posted - 07 June 2009 : 00:11:41
You need to get your OR to send you the break down on what he has allowed and disallowed and then put it up here and get the guys to check it over for you.
I have to say I agree with prevous comments on what your OR may have disallowed.
Also get your self on to the moneysaving oldstyle board on MSE to get help with food budgetting etc.
http://forums.moneysavingexpert.com/forumdisplay.html?f=33 |
| memphisd56 |
Posted - 01 June 2009 : 15:57:52
Holidays used to be disallowed, but reading up, it says that an allowance of between £60-£80 pm, is not unreasonable for a `Domestic Break` (note those words)...for a family of 4. If it was due to disability or sickness, then it would be allowed....but it seems to be up to the O.R.
I think, that if someone is close to getting an IPA, then the OR would not allow certain expenses, so that an IPA can be paid. |
| CMJ |
Posted - 01 June 2009 : 15:33:16
Thanks for your comments , should we write to him offering say 200 a month,which we could afford and state reasons for this or should we ask for a break down of how he came to this figure first?? I did think a holioday fund was allowed, if so does anyone know how much per family of 6??
Regards Michelle |
| Skippy |
Posted - 01 June 2009 : 15:17:32
I agree with Jane about what was probably disallowed. Some of your expenditure does seem very high, so be prepared to provide proof of this.
Not all ORs will allow a holiday fund, and as far as I'm aware Christmas and birthdays aren't allowed.
Jane is right about pets, anything over and above £20 must be paid for out of your surplus.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
23 IPA payments made, 13 to go - on the home straight! |
| Jane.l |
Posted - 01 June 2009 : 14:23:40
Going off my experience I would say the OR has disallowed your £200 holiday/emergency fund, school trips, pocket money and maybe life assurance
I would say your BT/broadband/mobiles is too high too so they have probably cut that, we were allowed £50 per month for BT and hubby needs his mobile for work so was allowed £25 for that.
Your travel costs are very high too be prepared to justify this with receipts if need be
Just for info we are 2 adults and 3 teenagers and were allowed £545 for housekeeping.
Not all ORs allow holiday funds, we were not allowed any, and our clothing budget was cut from £100 to £80, we had £20 surplus income left but the OR sent us a IPA agreement to sign for £52. We questioned it and sent in receipts and bill, etc and they dropped it in the end. If I were you, I would insist on a WRITTEN breakdown of what they have allowed you (our OR was not very obliging in sending this out and we had to keep pestering them)
I was prepared to go to court if need be to contest our IPA, but I think you will definitely get one as your expenditure does seem a bit excessive, so I would be wary of taking it that far, if I were you.
ETA: Pets are allowed at £21 per month I think, that is for food and insurance so if they cost more, it has to come out of any surplus
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| CMJ |
Posted - 01 June 2009 : 13:54:30
Thanks for answer,
I thought you were allowed, holiday monies?? and pet insurance?? I can appreciate mobiles but looking at where they may have got figures from dosnt add up?
Do you know what they allow for food for a family of 6 per month??
Did you just write and state your case, did you offer an amount you could afford??
Many Thanks
Michelle |
| bang up |
Posted - 01 June 2009 : 13:38:05
hi - i challenged mine and they did eventually reduce it.
good luck
ps - if it helps, i wasn't allowed stuff like:
40 school trips
20 pocket money
200 hols xmas birth and emergency fund
bt, mobiles broadband 120.00
school bus 60, college bus 30
40 pet insurance
and my petrol was cut down too
but on the other hand, i don't think they should include your child benefit.
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