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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 Andrewski[/i] [br]My Trustee states that in calculating disposable income, the general guideline for monthly housekeeping, food and toiletries is £249 per couple and £67 per child per month. Is this right and where do these numbers come from? I have done some research and the 1998 High Court decision in Re Rayatt states: "the question whether particular expenditure by the bankrupt [[i]in this case on the education of a child[/i]] can be described as necessary to meet the reasonable domestic needs of the bankrupt or his family must depend on an examination of all the circumstances of the individual case." The Insolvency Service leaflet on IPAs/IPOs supports this and also states that normally, you will have to use between 50% and 70% of your real disposable income every month for your IPA or IPO payments. My expenditure on housekeeping for wife and 19 year old son, both dependents, is over three times the Trustee's figure,even after cutting down (eg no theatre/cinema, no newspapers,no holidays etc). Can I reasonably argue with the Trustee? Andrewski [/quote]   Check here to include your profile signature.