We use the CCCS guidelines - which I am sure are posted on the forum somewhere, but I can send you a copy if you e-mail me at my website.
These are for guideline only, and you ought to base the calculation of your disposable income based upon your actual circumstances. Aren't you with Payplan, John? I am sure that they would be able to guide you on this point.
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
The majority, if not all Protocol compliant IVA's have to be based on the CCCS guidelines or the forthcoming Coomon Financial Statement (CFS)from MALG - except for any special religious or health reasons.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
