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rollercoaster
Junior Member
United Kingdom
327 Posts |
 Posted - 10 August 2008 : 10:59:32
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Hello stressed girl. My husband and i petitioned on friday and did the forms online. I will attempt to answer your questions but i am sure an expert will be along to help also and correct me if i am wrong. Q1. Put in that you first had difficulty paying your debts in march, as to the explanation we used bullet points on a time line, when you are interviewed by the OR you can explain in more detail if they need it.
2.credit card details go in unsecured debts, the amount would be what is owing on each at time of petitioning.
Q3.If you are handing your keys back to your lender, ensure that you include your mortgage on the unsecured section as well as the secured section to cover any possible shortfall. you can add the move into the additional information also but again you can explain this at the OR interview.
Q4. My husbands income varies by up to £500 per month, you need to take an average from the last 3 wageslips, you can also explain this in the additional information if you wish.
Q5. In your income and expenditure, you put the figures that YOU need/spend, these vary from person to person and only you know what you need, the OR will talk through these with you,for example, if you spend £90 a month on electric/gas, list it. you will have bills to show the OR if needed, and they will talk through any expenses they feel need adjusting/verifying, don't forget to include everything and list an amount for contingencies and a modest annual holiday.
Hope this is of help and that i have got it all correct. Good Luck for Wednesday, the court experience really isn't that bad and everyone there is lovely, we didn't see the judge and there were lots of others there doing exactly the same thing! |
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