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| T O P I C R E V I E W |
| paulsc |
Posted - 07 October 2009 : 18:41:55
Hi
Recieved EDREV letter today 19th week bankrupt . Can you look at SOA before i send n please.
Income is Incapacty, War Pension and Post Office Pension
Car is Motability so no Tax or Insurance though put down maintenace for oil screen wash and car wash
Parking as cant use blue badge all the time
Rent includes utilities etc
[tt]Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 341.13
Partners monthly income after tax....... 0
Benefits................................ 930.58
Other income............................ 0
Total monthly income.................... 1271.71
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 320
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 80
Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 20
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 35
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 12
Entertainment........................... 0
Holiday................................. 80
Emergency fund.......................... 0
Gym GP Letter........................... 32
Child Maintence......................... 150
Total monthly expenses.................. 1124
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-
Monthly Budget Summary
Total monthly income.................... 1,271.71
Expenses (including HP & secured debts). 1,124
Available for debt repayments........... 147.71
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 147.71
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
[/tt]
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| 3 L A T E S T R E P L I E S (Newest First) |
| paulsc |
Posted - 08 October 2009 : 17:39:44
thanks for replys I moved in to care for my father so council tax is in his name and tv is free over 80yrs.
My main income is benefits though i aslo get a Post Office pension was actually hoping not to get a IPOQ but unfortunetly i have
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| Skippy |
Posted - 08 October 2009 : 10:10:01
I was allowed £20 holiday for a single person.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
27 IPA payments made, 9 to go - in single figures! |
| gettingoutofdebt |
Posted - 08 October 2009 : 07:10:20
The following are a bit high:
Groceries etc.. 250 - normally £200 for 1 person
Clothing.. 80 - £50 for 1 adult.
Haircuts.. 12 - normally £10 per adult
Holiday.. 80 - £80 is normally for a family of 4 so maybe £30 or £40 for 1 person.
You can always leave them as the figure you put down and see what the OR says but there is a good chance they will be reduced especially as ORs seem to be cracking down on expenditure at the moment.
Do you not pay:
TV Licence.............................. 0
Council tax............................. 0
Good luck with the ED!
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