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sueann
Junior Member
United Kingdom
300 Posts |
 Posted - 03 September 2008 : 19:54:32
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Today I was contacted by the OR and couldn't be happier with my IPA, I have my life back and am now feeling that BR was the best thing I ever did.
I am a single person living alone and thought i'd share the allowances and what was allowed and not allowed:
Rent £290 - ALLOWED
Housekeeping/work meals £320 - DECREASED TO £300 within guidelines
Heating £48 - INCREASED TO £60 in line with guidelines
Water £17 - INCREASED £26.00 in line with guidelines
Telephone/broadband/mobile £40 = ALLOWED
Essential travel £140 - ALLOWED
Clothing £45 - INCREASED TO £50 in line with guidelines
Council Tax £80 - ALLOWED
Prescriptions/medical/dentist £35 - ALLOWED
TV License £12 - ALLOWED
Hairdressing £15 - REDUCED to £10 in line with guidelines
Home Insurance £14 - ALLOWED
Pet Insurance £12.00 - ALLOWED
Car Insurance £28 - ALLOWED
Pension £26 - ALLOWED
Car Maintenance/Tax/Mot £60 - ALLOWED
Contingency/Emergencies £50 - NOT ALLOWED
Holidays/Birthdays/Xmas £45 - NOT ALLOWED
Dry Cleaning £10 = ALLOWED
He also added:
Opticians £10 - ADDED in line with guidelines
Dosmestic Break £40 - ADDED in line with guidelines
I proposed a £78pm IPA, I got £103.00 which is manageable
I just can not explain the relief I am feeling right now that it's over.
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John
New Member
United Kingdom
73 Posts |
Posted - 03 September 2008 : 20:44:00
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Hi sueann
that's great you are pleased with the outcome.
A glass of wine or two tonight I think!
As an "Expert" may I ask what the difference is between a contribution to a holiday, which you were denied, and a domestic break, which you were allowed?
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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nicki
Junior Member
180 Posts |
Posted - 03 September 2008 : 20:47:06
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| hi so glad everything has worked out for you. i was made bankcrupt last week.i am waiting for my or interview to come through and am a bit worried i underestimated on my i and e especially looking at your list just now.where you have put increased to guidelines do you mean they altered the amounts for you that they thought you had put too low? do you know how long it will be till you make your first payment? im in the same position as you single and renting alone.anyway good luck with your brighter future xx |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 03 September 2008 : 20:53:57
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Sueann
Thats great news, may i ask how many adults and children were in your working outs.
Thanks
Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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sueann
Junior Member
United Kingdom
300 Posts |
Posted - 03 September 2008 : 21:55:00
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quote:
Originally posted by nicki
hi so glad everything has worked out for you. i was made bankcrupt last week.i am waiting for my or interview to come through and am a bit worried i underestimated on my i and e especially looking at your list just now.where you have put increased to guidelines do you mean they altered the amounts for you that they thought you had put too low? do you know how long it will be till you make your first payment? im in the same position as you single and renting alone.anyway good luck with your brighter future xx
I start paying 14th October. Yes where I have put INCREASE the OR actually increased the amount I put forward as he thought I had put in too low |
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sueann
Junior Member
United Kingdom
300 Posts |
Posted - 03 September 2008 : 22:01:46
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quote:
Originally posted by John
Hi sueann
that's great you are pleased with the outcome.
A glass of wine or two tonight I think!
As an "Expert" may I ask what the difference is between a contribution to a holiday, which you were denied, and a domestic break, which you were allowed?
www.Bankruptcyhelp.org.uk
0800 078 9367
I put forward £45.00 for holidays/Birthdays/xmas (£15 each) in one category, that was declined but I was allowed £40 for domestic break (which I gather is a holiday) guess you are not allowed to list birthdays and christmas and this must come from Disposable income.
Yes a couple of glasses of wine have been consumed
The figures were based on single 'ol me living alone. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 September 2008 : 08:14:40
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Hi Sueann,
So there is hope for me and my family that consists of 5 of us.
Im just getting the kids ready for their first day back at school.:( They look so smart and im so proud of them, they have been my lifeline through all this.
Take care and best wishes to you, most of all Sueann......
Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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maizie
Average Member
United Kingdom
566 Posts |
Posted - 04 September 2008 : 10:43:55
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I have my interview on the 18th September... do all OR's increase to the guidelines or do you have to ask for it?
Maizie |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 04 September 2008 : 10:46:29
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Hi there,
Is there some kind of guidence from available to help you list everything, so scared i'll miss something vital and end up being really poor! Congrats on your I&E |
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Needafriend
Junior Member
United Kingdom
344 Posts |
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Topic |
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Finally got my life back, my accepted I & E
