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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by ripski[/i] [br]Re mortgage/rent.The form on Insolvency site says allowance = 'not excessive housing costs'. Will the OR consider, in the calculations, what I am actualy paying or what I should be if I reduce /not pay mortgage and secured loan. my mortgage has actually now gone down to £750 ( from £1300,if this had happenned last year I'd have been ok). I agreed to pay £1060 to clear arrears and pay £189 secured loan. Last month I did not pay the loan and hope that OR can deal with this loan. I was going to try and pay mortgage, stay in house for 12 mths whilst I got organised. However I have now decided to cut my losses and move on now. I have been feeling much more positive and able to cope since going BR. My partner and I have split but I am looking at rented prop around £700.This is fairly average for a decent 2 bedroomed place in my area.I could prob get £650. Under £600 and theplaces are very much less desirable. I know this sounds like I am being picky and beggars cant be chooosy but I would like to live somewhere decent with a bedroom for my son when he comes home Is the OR going to say this is excessive for a now single person and allow me less in the calculations which will make a difference to my Insolvency Payment PS been 2 weeks now and still have not heard from OR ripski1 [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.