| T O P I C R E V I E W |
| 123mrs |
Posted - 14 July 2009 : 11:36:06
what are the reasonable living expenses amount whilst going through bankrupsy ie housekeeping, clothes ect |
| 11 L A T E S T R E P L I E S (Newest First) |
| gettingoutofdebt |
Posted - 15 July 2009 : 11:34:56
I was allowed £10 for dry cleaning as I wear suits to work. Hairdressing is £10 per adult and £5 per child. You can claim for the Internet if you or your children use the Internet for education purposes i.e. homework, college projects, etc.
Birthday/Xmas/contingency are only allowed in IVAs (and maybe DMPs???) as you pay 100% of your DI in an IVA. In BR the most you will pay is 70% of your DI so the excess is used for these things.
You can always post your I&E here and we can check through it and see if you have missed things out or added things that you won't be able to claim. |
| Skippy |
Posted - 15 July 2009 : 09:02:05
I went BR on my own and was allowed:
£10 a month for hairdressing (no idea where they thought I could get my hair cut for that!);
£20 a month for a holiday;
Nothing for birthdays or Christmas (it's expected to come out of your surplus);
Nothing for contingency (again it's expected to come from your surplus);
I didn't claim for dry cleaning.
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/
24 IPA payments made, 12 to go - on the home straight! |
| 123mrs |
Posted - 15 July 2009 : 08:22:46
Thanks..seem to to be getting mixed messages..What is allowed and what not..Hairdressers,birthdays,holidays,putting away for future needs,dry cleaning,christmas..ect not sure what to put down. quote:
Originally posted by debtinfo
You wont at the moment if it has not been released
crazylady |
| debtinfo |
Posted - 15 July 2009 : 08:15:22
You wont at the moment if it has not been released |
| 123mrs |
Posted - 15 July 2009 : 08:09:28
Thanks for the qiuck reply where would i find the updated one.. quote:
Originally posted by debtinfo
For some reason the expenditure account on the insolvency service website is not the most recent one that the examiners use. There is a more recent ne wich is slightly more generous (but not by much)
crazylady |
| Niobe |
Posted - 15 July 2009 : 06:39:08
£75 a month is less than one of my gas/electric direct debits!
The glimmer gets brighter all the time
Jan
xx |
| debtinfo |
Posted - 15 July 2009 : 00:01:20
For some reason the expenditure account on the insolvency service website is not the most recent one that the examiners use. There is a more recent ne wich is slightly more generous (but not by much) |
| gettingoutofdebt |
Posted - 14 July 2009 : 12:28:28
Yeah, these are the guidelines but for things like heating, electricity, water and gas if you have the bills to prove that you pay more then the OR has to accept the amount you pay.
The 'housekeeping' can also be a bit dodgy, I've heard of a single person getting £225 but 2 adults/2 kids only getting £420 or so.
It really depends upon the OR and how much DI you have. If you are close to having more than £99 DI (and having to pay an IPA) then the OR is normally stricter.
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| Jane.l |
Posted - 14 July 2009 : 12:23:07
We have a 3 bed semi and spend £200 per month |
| Skippy |
Posted - 14 July 2009 : 12:05:40
I've just had a look at the figures - I'd like to know how they expect anyone to heat a house on £75 a month! We pay £100 for a 1 bed maisonette!
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/
24 IPA payments made, 12 to go - on the home straight! |
| gettingoutofdebt |
Posted - 14 July 2009 : 11:38:15
Have a look at www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls (opens up in an Excel spreadsheet) as this is the guideline amount that the ORs use.
Let me know if you can't open the spreadsheet and I can post the amounts if you let me know how many adults/children are in the household.
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