| Author |
 Topic  |
|
|
s10
Junior Member
226 Posts |
 Posted - 12 July 2008 : 12:49:22
|
Hi All S10 here,
I had my OR interview on Thursday, supposedley at 10:00am. Eventually OR rang at 10:30 saying due to computor issues she was late, also because of this never had the time to read my submitted documents(that I hand deleiverd myself). Started the interview which kept stalling due to the computor system failing. All in all interview took over hour, and then I disputed some of the living expenses. OR advised she thought £186 was adequate for food and toiletries and cleaning products per month?? Are these people in th e real world? £10 a day is what I estimated (£280) per mnth) Then to finish she advised that she was not satisfied with the reason I went BR? I cant make things up, I spent beyond my means end of story?
Please can anyone advise me on why she would not accept this reason and what I should say when she rings back next week ONCE she has had the chance to read my file??? Not very satifactory in my opinion.
Kind Regards
S10 |
|
|
melanie_giles
Senior Member
1191 Posts |
Posted - 13 July 2008 : 23:06:12
|
Well seeing as bankruptcy is a pretty final matter, whether she accepts your reasons for filing are good or not it is all now rather academic - as the District Judge did! I am afraid to say that £186 tends to be the highest acceptable allowance for housekeeping - it accords with both the CCCS guidelines and the Common Financial Statement, so I am afraid that you may have to accept her ruling on that point.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
 |
|
|
s10
Junior Member
226 Posts |
Posted - 14 July 2008 : 09:18:33
|
| Thanks for your reply. s10. |
|
|
|
darren_b
Junior Member
213 Posts |
Posted - 14 July 2008 : 10:12:49
|
Hi Melanie,
Just a quick one - If both partners are applying for BK, am i right in thinking that the second partner has less of an expensiture on housekeeping? For example, I would maybe be given £180, my wife £100?
Thanks |
|
|
|
melanie_giles
Senior Member
1191 Posts |
Posted - 14 July 2008 : 10:31:38
|
The CCCS maximum allowance for a couple is £295, however the OR's examiner can use their own discretion in this regard.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 14 July 2008 : 11:02:36
|
Hi Melanie,
In my experience, allowances in BR for a couple are nearer £350 for housekeeping (food etc). I've had many cases at this level without question.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
|
|
|
melanie_giles
Senior Member
1191 Posts |
Posted - 14 July 2008 : 11:46:10
|
I'm sure you are right Julian, and I am aware that the OR examiner's seem to have a lot of discretion over this so there is no real consistency.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 14 July 2008 : 12:10:02
|
Hi Melanie,
Absolutely. Unfortunately, there does seem to be some inconsistency across the country in what ORs will and won't allow. Keeps us on our toes!!!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
|
|
| |
Topic |
|
OR Interview - Not very Satisfactory!!!
