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debt-laden

Expenditure Allowances - Possible DMP or DRO

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Hi Caggers,

 

I'll make this as quick as possible. We are a family of 4. We have 2 children aged 10 years and 4 years old.

 

Our approximate debt is

 

Wife - £10.5k

I - £1k

Jointly - £2.5k

 

We are both in receipt of benefits including DLA & CA. I suffer with multiple health problems.

 

I had the telephone appointment with CCCS earlier in the week. The advisor was very helpful especially in the instances on expenditure where we didn't know the amounts the lady said there were official guidelines on these that could be deducted. After completion the advisor said they could do a DMP with the surplus and would send the paperwork through. Yesterday, we got the paperwork and I realised that they had taken my entire DLA into consideration. Which having read various threads thought that it was put into the income and then deducted straight out as an expenditure. When I rang them to query I explained that the bulk of the DLA was used for other purposes and the small amount left was then put into the houskeeping budget.

 

Based on our known expediture and the guideline expenditure that the advisor put in this put us into a deficit. We were then advised that we needed to review this and come back to them. In the budget the CCCS stated that we are allowed an allowance for tobacco, however after talking to NDL they said we weren't. Unfortunately I'm a smoker and to due to my mental health depend heavily on them and coffee. I know it's a dreadful habit.

 

This morning I rang NDL and briefly went through what our situation was. I asked about the tobacco allowance and was told that the creditors wouldn't allow this. The advisor went on to say that we should hide it within other expenditure.

 

So, does anyone have a list of the allowances for DMP or DRO purposes? And what documentary evidence would be required by the Intermediary or OR to support this.

 

I did say I would make it quick (sorry!)

 

Many thanks in hope that you can help!

 

d_l

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Hi

 

I dont have the list of allowances but most companies are following the CFS guidelines. You would not be able to have anything allowed for tobacco, and usually DLA is shown coming in but then cancelled out within your expenditure.

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Hi

 

I dont have the list of allowances but most companies are following the CFS guidelines. You would not be able to have anything allowed for tobacco, and usually DLA is shown coming in but then cancelled out within your expenditure.

 

Hi loobyloo,

 

thanks for your reply. Is it the creditors, debt charities or both that follow the CFS guidelines. As one charity said there would be an allowance for tobacco and another said there wouldn't - so I'm a bit confused. In addition should the DLA be 'in' and 'cancelled out' in both a DMP & DRO situation - As again I'm being told conflicting things :confused:.

 

Lastly, the expenditure guidelines for groceries & clothing seem to be much more generous through NDL than CCCS. What would you recommend for these with 2 adults and 2 children? And would they be different for DMP to DRO purposes?

 

Many thanks for taking the time to reply,

 

d_l

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Hi there

 

From what I have heard, as I am with a DMP too, it is the creditors who set the guidelines for us to follow and stick to - more chance of them accepting offers this way. I am unsure of a DRO to be honest, but do know that the DRO does have strict criteria, which is sometimes hard to meet, so their criteria would be worth looking into before thinking about this any further.

 

Usually the housekeeping and clothing are around the same mark (usually £195 for hk per person, but this may differ on different companies of which I am not 100% sure of to be honest.

 

If you are receiving DLA, it is usually up to you whether you want this to b be inclided in your offer, however, most of the time, as DLA is for help with getting around etc, it is shown coming into your household, but then coming back out again on the expenditure to cancel it out. Hope this helps x

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Hi loobyloo,

 

Sorry for not getting back to you (Haven't been too well).

 

I have since discovered that the "expenditure allowances" are governed by "trigger" figures. Hopefully the following links are allowed and will be useful to someone else.

 

http://www.cfs.moneyadvicetrust.org/site_content_files/files/trigger_figure_categories.doc

 

 

IPAs Assessment of Real Disposable Income

 

 

http://bankruptcyandlivingwithit.co.uk/HouseholdExpenditur2010.htm

 

Looking at the insolvency link it appears that under certain circumstances an allowance can even be claimed for holidays. I would like to incorporate certain expenditures into allowances not used. Do you think this would be possible? I'm now starting to think that a DRO is our only option as at the rate I think I can make payments we'd be looking at 15 - 20 years. (Maybe I should start a new thread).

 

Many thanks

 

d_l

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Hiya

 

You can try to put allowances in your expenditure that are not listed and see what the creditors say to this. As in my recent post, do you qualify for a DRO, as there is very tight criteria, see following link: Debt Relief Orders

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Hiya

 

You can try to put allowances in your expenditure that are not listed and see what the creditors say to this. As in my recent post, do you qualify for a DRO, as there is very tight criteria, see following link: Debt Relief Orders

 

Hi,

 

if I can incorporate some of the disallowed expenditure into the allowances without going over the trigger figures then the rest of the criteria I match.

 

d_l

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