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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 dazed and confused[/i] [br] Dear Forum Sorry in advance for the long message - I am due to go BR soon. I have finally got round to looking at, and filling out the forms, and I have quite a few questions I was hoping to get help with please? My situation is a bit unusual, in that I am currently employed but at the time I go BR I will have finished my job and will be on a Career Break and will be going abroad for a year to be with my girlfriend, so most of my questions are based on this. Also, I am currently in a DMP. Section 1: 1.11 - Do I put down that I am Single? Separated? Civil Partner? (My girlfriend is currently living abroad and we have been separated for 5 months). 1.15 - Does a DMP need to be entered here? Section 3: 3.1.5 - Would a Snowboard go down as a 'Tool of Your Trade'? I work as a Part Time Snowboard Instructor and therefore use my Snowboard for my job. 3.1.8 - Fixtures and Fittings - What should I put here, if anything??? I own clothes, towels, a wardrobe, a couple of chest of drawers, bedclothes, pots and pans etc. but nothing of real value. 3.1.9 - Freehold Land and Property - what do I put here??? I live in rented accommodation and own no properties. 3.1.10 - Same as above??? 3.1.12 - Pensions etc. - I pay into a Pension Scheme at work in my full time job - it is a Logal Government Pension Scheme - do I need to put this down on the form? 3.1.19 - Any other property - I own a Car (£1,000), Laptop (£400), Camera (£400), Video Camera (£200) and a few other things worth no more than £150 e.g watch, CD's, DVD's etc. Also, I am in possession of a bike (worth £495) which I have on a 'Hire Agreement' from work which must be paid over 18 months (I do not own it until the end of the Agreement) - do I need to put these down and how do I get an accurate valuation of them - they are all at least a year old. 3.4 - Do I have to put my work Pension Scheme down here? (mentioned above). 3.5 - Would selling small items on Ebay need to go down here e.g. Playstation 2, old camera's etc. - nothing more than £50. 3.7 - At what price do you value a vehicle? I have looked at so many different sites and they all seem to give vastly different valuations! Would this be based on Auction Value? 3.9 - I have access to 3 different vehicles on an occasional basis at work - do these need to be listed? Section 4: Is this the Section to put down Personal Loans and Credit Cards? Should I put Student Loans down? Should I put my Bike Hire Agreement down? What if I can't remember the exact date I took out the Credit? What if I can't remember the reason I took out the Credit (most of it was 'consolidation' - oh how I regret that now!)? Section 5: 5.1 - Do I still have to include Credit Cards if they are long cut up and gone???!!! 5.4 - Do I just list all Bank Accounts here? Do I put all Bank Accounts down, whether they are overdrawn or not? Sections 6, 7 and 8: I am not aure what to put down for these Sections, as on the day I go BR I will have finished work for the Career Break, I will have received my last pay, and all my final payments for bills, rent etc. will have been paid by then - so should I just leave it blank??? Section 9: Does this Section just relate to poperty as in houses or does this apply to things like items sold on Ebay etc. e.g. camera's etc.??? Section 11: 11.1 - What date do I out down for when I started struggling to pay debt? Thinking back over the past few years, I have been struggling for a while - juggling debt, balance transfers, consolidation loans etc. - do I include this or just the date when I actually stopped paying my Creditors 11.2 - What is acceptable to go down here? I have a number of reasons - living beyond my means, living an unrealistic lifestyle, being a bit financially naive, expensive car problems, my girlfriend having to leave and living costs going up - there's loads!!! Right, I think that's it for now!!! Any help / advice would be very much appreciated!!! Thanks in advance... [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.