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Posted: Wed Nov 25, 2009 7:49 pm
by Smokey48
Hello,
will my smoking cost be considered in my expenditure each month for my IVA?
regards ian
Posted: Wed Nov 25, 2009 8:14 pm
by MelanieGiles
Hi there and welcoem to the forum
I definately allow smokers to have an allowance for cigarettes in my IVA proposals, and a reasonable amount is generally accepted by creditors - although you should use the IVA as the excuse to give up for health reasons!
Posted: Wed Nov 25, 2009 8:14 pm
by Adam Davies
Hi
Yes they will, it is unreasonable for creditors to expect you to stop smoking straight away.
They may ask you to cut down, a reasonable request given the circumstances
Regards
Posted: Wed Nov 25, 2009 10:26 pm
by Cath
I didn't ask for a smoking allowance, although I do....maybe a prescription allowance would be better for when I give up via the smoking clinic.
Posted: Wed Nov 25, 2009 10:38 pm
by fingerscrossed
OHHHHH This is a proper can of worms!!! From an ex smoker.....give up its a lot better!!
Posted: Wed Nov 25, 2009 10:43 pm
by Lisa2009
We were given a smoking allowance but i know others havent been.
Posted: Wed Nov 25, 2009 10:45 pm
by kallis3
Some companies do give a smoking allowance - some don't.
I am an ex-smoker myself and managed to give up quite easily by myself, but do know how difficult it can be to stop.
Posted: Thu Nov 26, 2009 8:18 am
by Pennyless
Smokey I too got a smoking allowance in my IVA but a drastic reduction in what I normally/did used to spend. Wife has me on ciggy rations now!
Cant wait for the day until I can ring my IP up and say its no longer required....this is my next challenge.....I can but hope!
Posted: Thu Nov 26, 2009 11:58 am
by pat.gr
Is a smoking allowance also allowed in BR?
Pat
Posted: Thu Nov 26, 2009 12:00 pm
by MelanieGiles
No - but as you may be left with some disposable income in bankruptcy, your smoking expenditure could be covered out of this.
Posted: Thu Nov 26, 2009 2:31 pm
by Fox84
Do you have to send in ciggy receipts[:)]
Posted: Thu Nov 26, 2009 4:24 pm
by kallis3
What are you like Fox![:D][:D]
Posted: Thu Nov 26, 2009 6:31 pm
by marky b
could an alcoholic in an iva claim for booze.
Posted: Thu Nov 26, 2009 6:42 pm
by moneypenny
hi, my husband was told that he could not have an allownace for cigs, although he had gone from smoking 20 a day, down to buying baki instead, which cost him around £12 a week. so he went to the nurse and has now been smoke free for 9wks, but he does get an allowance for prescriptions which cover the cost, maybe SMOKEY you could try the nurse too, just think of the health benefits, but obviuosly we all have to make our own choice's, anyway goodluck and good health.
Posted: Thu Nov 26, 2009 6:47 pm
by Julie
I could have done with a chocolate allowance [:)]
I wonder how many people have managed to give up smoking whilst in IVA's? Or do you think the stress of debt makes you want to smoke more?