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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by paultjm52[/i] [br]I am considering BR and I have a barclays Cashcard account where my salary is paid into and all our bills are paid out of that leaving us £30 surplus.I also have a joint Nationwide current account where my wifes income incl tax credits/child benefit is paid into and the rent is taken out of that.Would I have to declare our total income to the OR and how would the OR work out any surplus income for any possible IPO. Also what arrears would I include in the petition. We have an old council tax bill £2400 which we pay back to them at £130 per month. Could that be included in my BR. Also an old water rates bill. I am currently in a DMP with payplan but will not clear that until I am 78 (if I reach 78) Depressing yes.... Getting me down No... I would appreciate any advice as this will be my 2nd BR ( No excuses) Just a long illness.......... Thank you [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.