Another way to look at this is - if the allowances are unacceptable then you have the choice to carry on as you are.
No-one forces people to go into an IVA. It's not for everyone. I just had a choice of addressing the debt problem we had or do something that doesn't need to be typed out here. Many people get to the stage where they cannot see a way out. An IVA can give them a solution that makes them see life is worth living.
And another point I would like to make is - my sister is a single parent with 2 teenage children. She is not in an IVA but her children cannot go to afterschool clubs as she cannot afford it. However, they know the reason why, go for long walks along the beach or into the forest and have heaps of fun with their Mum.
before anyone corrects my post..im not saying weve put down things we dont actually pay or that the allowances are a given. I just meant when in debt neither myself or my chikdren had hair cuts so i could t say for sure costs but as they can be budgetted for they were included at a reasonable rate. But at least they have been counted. When i told paypal we didnt have hair cuts because i didnt have the money they didnt then include them. The figures are your expenditure ben but be prepared for an IP to discuss alterations (either up/down) to make the iva proposal acceptable for creditors as well as yourself. This is not the part that can be rushed. You want to get it right.
well I guess the consensus of opinion is just for me to go and f myself and die.
Apologies for being a bit of a twat. but I have come on here looking for one thing, and tried to give my reasons.
As a family we do not live life in the fast lane, we are very conservative, don't drink or smoke just love seeing our kids enjoy lots of sports and activities.
I own a cheese distribution business and after making ties (Wrongly) with one firm they have since gone into administration, I have burnt bridges in the process and am now stuck. I have a substantial amount of personal debt around setting up the business, and IS NOT because of living a high life....
Everyone on her says I need to change the way I live??? I live in a small ex council semi, have had one holiday abroad in the last 5 years, have a £2000 crap car I share with the wife.
Why is everyone convinced I am trying to pay of some sort of lavish lifestyle?
You must all take me as a fool thinking I will copy and paste the guidelines into my budget, all I want to do is up what I have so my kids can continue a full life.
NOBODY is willing to provide this info on here but I think all of you have it..
As Abbiesmum says --- many IP's will also up allowances if they feel you have underestimated as they know full well that an unworkable budget is a road to failure. I know mine did and still do.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Ben -- stop and smell the roses ! You have been given several routes to help you work out these guidelines -- they are not generally published and we have no reason to withold them if we had them.
No-one is saying you lifestyle is lavish ( nor are ours -- I don't call MY car "The skip" for nothing). Whatever you lifestyle at the moment, it is obviously unsustainable ( for whatever reason)and has to be cut back.
Well done on apologising for being a bit of a **** --- having recognised that -- try to stop being one and let's all start again
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
........and I'd love to know why you think we ALL have these guidelines -- if we could find them, so could you ... you can't, nor can we !!! We are all just like you -- struggling to survive pre, during and post IVA.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Ben - we all try not to judge on here. We have probably all said things we shouldn't at some stage.
Everyone is in debt for different reasons. It's just that you came across as adamant that the allowances are way too low.
If creditors are writing off debt then they would want to see that we as debtors are making some sacrifices. We don't drink, or go out. Didn't in the IVA, don't now. Our income is now lower than when we were in the IVA due to my pension being low (whick at 48 is not somewhere I ever wanted to be). But I am glad the IVA taught me budgeting. We don't own our own home, nor will we ever be able to, and my car is a motability one.
I think we all react differently when we find ourselves in debt and I think maybe this is why you have come across in such a way. I am sure someone would have posted a link by now if there was one for the expenses guidance.
Have you only spoken to one company about your debts?
We dont lead lavish lifestyle either ben...2 adults, 3 children in a 3 bed terrace. Last and only holiday was May 2011 for a family wedding. No drinking, no smoking, rarely go out (due to kiddies/babysitters). The children do brownies and swimming lessons. I do voluntary work as my hobby outside the home. You said you have classes 5 night a week and the children many clubs. I agree its important for the children to participate in things and have those opportunities but if everything is highly costly your creditors may not be very understanding of this but that is down to your IP to discuss with you individually. You might be in a sticky spot and feel anger towards the people who have let you fown and led to difficult times...we have all been there...but theres no need to take it out on the members of this forum.
Im not replying to this thread anymore. You have been nothing but rude and abusive to people who have genuinely tried to help you. I am going to for the first time whilst being on this forum suggest that admin block you as a user and lick this thread.
Ben -- my last words to you ---- grow up and recognise the situation you are in. Until you realise that you are your own problem you will get no-where. You burnt your bridges in your business and you continue to do so with people trying to help.
I truly wish you well and hope you sort out a solution you are happy with.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
swimming lessons at my local swimming pool cost £12.50 per month per child.
So **** You!!! are you are being honest about your expenditure???. I want to do the same, so **** you again for trying to stop me in seeing what I can claim......
