Hi
I agree with Melanie that petrol needs to be listed as the actual cost, client could produce receipts if needs be.
I think that car servicing and repairs, sports and social and meals at work need to be looked at.
Clothing allowance for children at school seems quite low and may need changing.
Just want to add that I really do appreciate the CCCs taking time to post on this forum.
We must remember that it is creditors that ultimately decide on expenditure allowances although they are guided by the CCCs guidelines
Regards
I also agree with mel & andy regarding the car repair, mot & servicing.
Every car is different within type, age & use - but the complications that can arise due to wear & tear & needs is very unpredictable, but thats what I guess payments breaks are for?
As for clothing - with children & every growing ones at that, uniforms, shoes are very hard to get. Not been sexiest but boys are hard & limited to buy for, especially in sales - there are always the lowest in stock before girls items. And with the current climate & seeing more chains like adams closing - we are more limited as to where we can purchase goods from. The school my boys now go to are the only one of a large town that has a shirt & tie & with over 600 pupils the local supermarkets do not stock the colour jumper that they need. Not even matalan - so you either have to go to M&S or travel to a city.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Unless they have a logo on their uniform, then you could always try Ebay Lyns.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
£130 per month for petrol and parking? Parking round where i work is around £4.50 per day...work 22/3 days a month...that would £100 pounds gone. Where do these guidelines come from?
I don't pay for parking at work, and only do a 25 mile round trip each day, but together with normal mileage, it adds up petrol wise. Everytime I go past my local Tesco, the petrol has gone up.
Clothes are the cheapest I can get from Asda or Ebay - my work trousers cost £4.
Lesley - I bought a nice trouser suit from Asda for my court appearances recently - cost me £20.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I would definitely struggle with the car allowance - I needed 3 new tyres last year which cost me £180. I'm lucky that my friend's partner is a mechanic and services my car cheaply, but even then the maximum wouldn't cover it.
Petrol is going up daily here, which in turn is going to push up the price of food etc.
I buy a lot of my clothes in Tesco, but I've also found that Next can be quite cheap and better quality and fit - I buy leggings and t shirts in there and they last longer and I don't look like a sack of spuds, unlike my Tesco trousers!!!
Seriously, the creditors need to accept that we are all different, hence the term INDIVIDUAL, and that the guidelines are only that. With their current stance they are going to drive more people to BR, meaning they get nothing, which I personally think serves the creditors right.
I don't think companies should take an 'average' for their 'guidelines'. We are all individual.
I managed to get a new lightweight jacket today from Sainsburys for £20 instead of the £35. Something I needed as I have lost so much weight that I need to replace some clothes although I do look for the cheapest I can get.
Sorry CCCS, but some of us do need to buy new clothes frequently, and do need our cars and need more food and petrol allowance than you think fit.
Some of us use more gas and electricity and have higher water rates and council tax, rent/mortgage than others.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Rather than continuing to criticise the CCCS guidelines, why don't we come up with a set of our own based on individual expenditure. If someone - perhaps we can persade Julie as she has time on her hands - wants to collate the results, then I will happily provide the categories.
This could provide useful feedback for CCCS prior to their review, and give the forum the chance to make a real difference.
We may not get heard, but at least we will have done something positive to assist with resetting these figures - as regrettably I think we are stuck with some form of matrix. I am told that there are over 10,000 members on this forum, so this should provide a good cross section sample.
I would happily provide details of our expenditure to add to Mels suggestion - afterall we may not get heard but if we don't at least try we'll never know
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I travel 30 miles a day to work and have to pay £8 a day to park my car. No public transport available, and the all car parks charge the same. All residential areas are permit parking only. I have not choice ... in addition I sometimes have to go out on business...I can claim these additional miles back as business, but then when I return I have to re-pay for parking....
I agree with Melanie and I would be happy to share my expenditure - our food bill has risen as well....only two of us, but since I have started to take care of my weight more to buy healthy food is costing us more ! Silly...but true
CCCS guidelines in my opinion should be left ... our IP's should have some flexibilities and look at our circumstances ...work with us more to agree the way forward that is reaasonable...afterall if we did this less IVA's would fail !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
