Just put down exactly what you spend, your IP will tell you if it is too much.
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
MelanieGiles wrote:
They will not allow them to be distributed - on grounds that they think that people will manipulate their own expenditure up to the maximum.
surley though mel that you have to back up what you put down as your i%e when you start out in an iva this should not be a problem.
are these guidelines set out by cccs law?
who actulay sets these guidelines and who keeps them real and up to date.
it does come across as a bit of a myth that these are what goes when there's secrecy surrounding these figures.
how do you veiw these when advising clients on there first i&e sheet.
cc received 6th January 2014 now upwards and onwards
Everyone should put down what they spend. Your IP will then go through it with you.
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 CCCS guidelines are worked out at periodic intervals by that organisation from data submitted from their own clients about actual expenditure in various categorise - and they then grade that into lower, guideline, and higher levels.
The credit industry, and the Insolvency Service, have embraced the guidelines as a sensible guide to family expenditure - which even the CCCS will tell you they do not stick to rigidely when working with their own clients.
When we are initially working with clients, we like to find out what they actually spend on these areas rather than what the guidelines state is reasonable. If items vary from the guide, we will highlight this and explain the reasons for this - for instance special diets, specific clothing requirements or simply the amount of miles you travel to and from work each day.
If you want to find out what the guidelines are in advance of seeking advice from an IP, just pop onto their website and fill out a debt enquiry questionnaire. Once completed I am sure this compares your figures to guidelines. Alternatively contact an IP firm who base their work on CCCS guidelines, who will be happy to share that information with you on a one to one basis.
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
There is a neat little trick to find out what the guidelines are from CCCS - if you go to their website and put in ridiculous amounts for each item - a pop up window will come up and tell you what is considered reasonable (that way you get to see the guideline figures) I only discovered this last year when sorting out my IVA and put in £41 for Satellite television - the box popped up and said "A reasonable amount for sat tv is £21, do you wish to revise your figure" - hope this helps!
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
Just out of interest, I completed this on the CCS website and for a family of 1 adult and 2 children here are the results I got .. you can do this yourself for your circumstances :
Food, toiletries, cleaning £278
Clothing and footwear £40
Children's pocket money £20
School trips/activities £10
Telephone, mobile and Internet £53
Medicines/prescriptions £7
Dentist/opticians £10
Fuel and parking £130
Vehicle spares and servicing £10
Hairdressing £16
Pets, pet food/insurance £21
Sports, hobbies and entertainment £20
Sundries/emergencies £20
There are higher allowances for some of those arears futureisgood. Not sure where you get those figures from, but CCCS guidelines have three levels - lower, guideline and higher, and the figures you have quoted above are not the higher allowances.
Why is it hard to get a look at these guideline figures? If an IP will advise you accordingly anyway why not just have them out there for people to see?
Clearly if you dig enough you can find out whats reasonable,so whats the secrecy all about??
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
