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Malcolm.tr
Starting Member
12 Posts |
 Posted - 03 July 2012 : 14:07:05
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On for 6.27 do I literally just put a line through that which is not relevant to me?
Also on 6.28 Expenditure. My mortgage is normally £527.50, but I have £311.46 paid by DWP as I'm unemployed, leaving me to pay just £216.14. The same with Council Tax it should be £142 but I only pay £34 and month. Which figures should I put down as if I get a job I will probably have to pay the full amount?
Also, as I'm Unemployed I receive free prescriptions, which would normally cost about £42 a month. Which should I put down?
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Edited by - Malcolm.tr on 03 July 2012 14:10:50 |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 03 July 2012 : 16:52:00
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You should put down your current expenditure and yes, just strike through what is not relevant to you.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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Malcolm.tr
Starting Member
12 Posts |
Posted - 03 July 2012 : 17:32:18
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Thank you
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 July 2012 : 21:46:52
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As Viki says put down what you spend at the moment. If your circumstances change you can notify the OR then.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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Malcolm.tr
Starting Member
12 Posts |
Posted - 04 July 2012 : 07:50:28
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Thanks
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year 2029
Average Member
590 Posts |
Posted - 04 July 2012 : 11:37:40
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As has been said, just answer what you can as you fill the form out.
You will get an income and expenditure form off the OR/Trustee after your BR goes through.
Its also then a condition of your BR to notify them of any changes to your circumstances (increase in income).
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 July 2012 : 12:40:30
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And decrease as well.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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Malcolm.tr
Starting Member
12 Posts |
Posted - 04 July 2012 : 14:38:34
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Thanks.
I have been to see the specialist advised at CAB today and she has left me more confused.
The ccj i have is now a charging order on the property. I have never paid anything to the company (Hillesden Securities) in 2 years. I have'nt heard from them in over a year.
She said we have to find out from them what they expect us to pay before we can fill out the appropriate forms.
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 04 July 2012 : 17:50:12
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I've no idea on that one Malcolm.
Why not give one of the experts on here a call to see if they can clarify things for you.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 04 July 2012 : 18:25:35
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You don't need to delay filling in the forms, it sounds like they do not want monthly payments, but you can check with them at anytime.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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year 2029
Average Member
590 Posts |
Posted - 04 July 2012 : 21:08:45
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As has been said, no need to delay filling in your forms.
The effect of the charging order will depend on various circumstances, but doesn't prevent you from filing.
Is it on a property you live in?
Does it leave any equity in the property?
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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year 2029
Average Member
590 Posts |
Posted - 04 July 2012 : 21:10:16
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Niobe,
The condition is to tell the OR if your personal circumstances improve.
Obviously, if you are subject to an IPA, its in ones own interest to declare a decrease.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 05 July 2012 : 07:53:02
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Just thought I would mention it as the OP may think that he can't tell them of a decrease.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 05 July 2012 : 08:39:47
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I would recommend speaking to one of the experts. While the CAB do an excellent job the advice sometimes isn't always accurate, mainly due to a lack of resources.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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year 2029
Average Member
590 Posts |
Posted - 05 July 2012 : 13:03:13
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One of the big reasons to go to the CAB, is its free, plus,
The biggest reason, is you need to show that you have sought professional advice before filing for bankruptcy.
CAB is probably the easiest way to show this.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 05 July 2012 : 13:13:06
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Initial advice from any company is free and you can also show that you have sought professional advice.
Not knocking the CAB as they do a good job but, they don't always have the specialised resources as a good debt advice does.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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Topic |
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More questions re: forms.
