www.iva.co.uk

Does anyone know where to find the CCCS guidelines, I have trawled their website and can't find them anywhere.
I am due my 2nd year review soon and am finding my outgoings are going up considerably faster than my income, I have only had a basic 3% salary increase compared to a much higher increase in living costs.
I am interested to find out what the CCCS currently recommend as reasonable living costs because I am finding it increasingly difficult to make ends meet, I am seeing my already frugal standard of living being eroded on a monthly basis, if it continues at this rate it won't be long before I go under.

I can send you a copy if you e-mail me to my website.

i think the people at CCCS live on bread ,porridge and water and they expect us all to also[xx(]

ohh and they are also hermits dont smoke and t-total and dont celebrate xmas or birthdays[|)]

Melanie has kindly sent me the guidleines and I am confused. Is the couple column price per person or price per couple ?

Price per couple!

No way [:0] so a single person gets £130 per month to cover fuel and parking, yet a couple have the same £130 to split between them????

Thats us blown out of the water - Hubby uses £250 minimum on fuel alone!

Why isn't the price per couple just doubled up? Even that wouldn't cover the living costs but at least it would make sense....and what drycleaners do they use I'd like to know???

Furthermore, shouldn't our IP have gone through these guidelines with us at some point? Gosh I've gone off on one now - sorry Melanie [:D]

Fuel is not bound necessarily by the guidelines. If there is a justifiable need for a higher amount it will be considered.

An example could be fuel required to get to and from work; work which produces the disposable income to offer to creditors.

is it possible to get a copy of these guidelines
elldina

We don't use the fuel figures at all! No one can dictate how much is reasonsable for fuel - as each individual has different journeys depending on their circumstances.

Melanie emailed them to me elldina, not sure if I can post them though?

Be prepared to drop your jaw, because the couple allowance is an absolute joke. You don't get the same allowance as a single person for some reason.

Hi swans girl
I too am wondering if our IP even glanced at some of the guidelines when he drew up our I & E. I have now emailed Melanie for a copy so I can look in detail. I think it may make interesting reading, cos we have no allowance for dry cleaning, or other items previously mentioned in other posts. I only wish we had found this forum before entering IVA, cos we probably would not have jumped with the first company we came across.
Roadrunners

I'm with you on that one roadrunner..... hubby and I bothhave to wear suits for work so unfortunately we have to have these dry cleaned regularly....if we were single, we'd get £10 according to the guidlines, but as a couple we have to share the £10!

I have always put an allowance in with our food/household column on I&E...I think our IP just ignored our I&E in the past anyway.

We live and learn

We certainly do. just been reading your blog by the way. How long do you have to wait for an answer from your IP. Hope you get the reduction

Thanks for reading my blog, didn't send you to sleep then [:D]

The IP is on leave so we won't hear anything until at least next week. We're 19 months into IVA and the first year wasn't too bad, but this year has been tight to say the least. Without the reduction, we will not be able to continue the IVA.

I'm keeping positive though.

xx