******* wrote:Water £40 a month !
We live in a huge 3 bathroom house & were on a water meter and we pay £11 a month in the expensive South ?
Maybe we need a meter then because this is what is on our bill and OR has a copy?
Optical £70 a month !
Explained in other post
Even if 2 of you were on monthly contact lenses it does not add up to that
2 Lots of life ins ?
No way will that be allowed it will go to the OR anyway if anything happens to you in your bankruptcy, & the only way to keep it is to pay typically 12 months premiums to OR
Only part would go to the OR, if I dropped dead tomorrow I cannot leave my OH with the mortgage to pay on his own, the mortgage outstanding is much more than we owed
Or do as most have to cancel the policy go without and hope you dont die whilst bankrupt
I just don't get that - the OR has never questioned the life ins? Its absolutely nessessary surely? If we were renting maybe not but we aren't
House Maint & Car Maint too high
You do have available income for an IPA
This is why its so important to get proper advice before going bankrupt
Some of your things will not be allowed
Others the OR will want proof as they are higher than the norm
Even if you removed the things you think should be removed there is no where near enough for an IPA? Unless you can see something I can't?