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inday
Starting Member
United Kingdom
11 Posts |
 Posted - 21 March 2011 : 22:53:46
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Hi, just wanna ask for some advice
I am an NHS worker with a debt of 42K , I got 7 creditors
I got no property
Asset is a car worth 500 which I am using for work
My husband is unemployed , been made redundant twice
I had a baby, then problems with debts begin
Husband receives 40 tax credit + 80 child benefit
It goes to his account to pay for his car insurance, mobile and petrol
I got a basic current account with no overdraft. Is this going to be frozen?
I already transferred my salary to my husband coop cashminder account, next is all the direct debits.
Unable to qualify for IVA as DI is less than 200
So tried DMP for 1 year until husband find another job, no luck
So now filing for Bankruptcy as we are struggling to keep with DMP
I got a court date tomorrow afternoon.
My income varies, 50-100 difference every month depending on enhancements and overtime but not regular:
Income:
Basic Income 2294 (without enhancements, overtime, deductions)
Average Net income 1730
Average tax 373
Average NI 187
Outgoings: 1642 in total
Rent 550
Housekeeping 400 (2 adult + a toddler)
Gas,electric, 128
Water 24
Mobile 30
Travelling to and from work 160
Clothing 65
Council tax 97
House insurance 11
Critical illness life insurance 14
Car insurance 48
Car tax 31
MOT 7
Union fees 14
Professional subscription 6(need for job)
Tv licence/basic cable 42
Optician/dentist 15
Any comment will be helpful, as I am anxious as I don’t want my petition to be rejected, as I am not sure if I will get back my 600 back.
Thank you
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 22 March 2011 : 15:21:26
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Hi Inday
it is hard to check an income and expenditure, as dont know the person.
you have obviously looked back at bank statements and listed everything. but just double check
Pets ?
some OR's will accept saving for a short cheap UK family holiday.
which court ?
Richard |
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inday
Starting Member
United Kingdom
11 Posts |
Posted - 22 March 2011 : 18:40:25
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hi , richard p.
My court hearing in Birmingham was cancelled because it don't cover my postcode as I live in sandwell.
Basically it is a friend who work in a voluntary organization that deals with debt booked the appointment and she asked, and the clerk said its ok, but today, I was cancelled.I booked myself to Walsall county court nearby recommended by the clerk.
I know all my necessary expenses,if I will put all of it, like car service and maintainance, work car parking etc, i will be overspending.
it's nice to save for little holiday, but..
I have been warned that it may lead to my petition been rejected.
I am so confused.
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inday
Starting Member
United Kingdom
11 Posts |
Posted - 30 March 2011 : 16:06:14
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hi richard, west mids court.
my petition was granted by the judge, on 28/03/2011 .I dont need to see the judge,I was inside the office for about 30 mins and that's it.
I felt so relieved. I just been contacted by OR today to arrange a telephone interview.nearly there..to a debt free life |
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glafy
forum expert
436 Posts |
Posted - 31 March 2011 : 15:03:23
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Well done inday.
Glad it went well for you.
"Good things come to those who wait".....I'm a patient person but this is taking the Mickey!! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 01 April 2011 : 16:38:20
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Congratulations inday, glad it went well for you.
Double, double toil and trouble;
Fire burn, and cauldron bubble.
Jan
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 01 April 2011 : 18:30:49
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congrats welcome to a debt free future
and
welcome to our gang !
Good Luck Richard,
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Topic |
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Income and Expenditure
