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cherie.ge
Starting Member
8 Posts |
 Posted - 30 October 2009 : 15:13:16
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| Hi, im currently looking into going br, could you please advise what figure i can put down for food/cleaning products so forth for 2 adult and 3 children aged 9, 5 and 4 and also for clothes |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 30 October 2009 : 15:22:48
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You should put down the actual figure that you actually spend but the guideline figures for 2 adults/2kids are:
Food - £504
Clothes - £156
so you can put slightly more down for the extra child. |
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cherie.ge
Starting Member
8 Posts |
Posted - 31 October 2009 : 10:04:08
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quote:
Originally posted by cherie.ge
Hi, im currently looking into going br, could you please advise what figure i can put down for food/cleaning products so forth for 2 adult and 3 children aged 9, 5 and 4 and also for clothes
Thanks for your quick reply. if i post my soa on here do you think someone can have a look at it for me to see if im on the right track. thanks
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In 2 Deep
Junior Member
United Kingdom
161 Posts |
Posted - 01 November 2009 : 19:55:30
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Hi Cherie,
Why not speak with a forum expert like Melanie Nichols @ http://www.jonesgiles.co.uk/index.htm
They will discuss the best solution for your particular situation.
GD luck.
quote:
Originally posted by cherie.ge
quote:
Originally posted by cherie.ge
Hi, im currently looking into going br, could you please advise what figure i can put down for food/cleaning products so forth for 2 adult and 3 children aged 9, 5 and 4 and also for clothes
Thanks for your quick reply. if i post my soa on here do you think someone can have a look at it for me to see if im on the right track. thanks
Treat EVERY Penny as a prisoner. |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 02 November 2009 : 09:40:18
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quote:
Originally posted by cherie.ge
Thanks for your quick reply. if i post my soa on here do you think someone can have a look at it for me to see if im on the right track. thanks
Sure, post the SOA when you have completed it and we will take a look. |
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cherie.ge
Starting Member
8 Posts |
Posted - 02 November 2009 : 17:20:30
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Just a bit of background information. there are two adults and three children, eldest two at school youngest starts after xmas.
Rent : 302.00
Gas : 120.00 includes a large bill
Elec : 75.00 includes a large bill
C/Tax : 79.00 paid over twelve months
Phone: 52.00 includes mobile and house
Hse Ins : 10.00 (contents only insurance)
Clothes : 120.00 (2 adults 3 scruffy kids
Hols : 70.00
Haircuts : 35.00
T.V : 12.00
Bus Fares : 70.00 (this includes mine and childrens)
Food/cleaning/pets: 520.00
School Fees/ kids act: 15.00 school trips and things
Contact Lenses : 10.00
= 1490.00
Income : Wages : 304.20
Child ben : : 185.60
CTC : 567.12
WTC : 142.84
OH Cont : 300.00 - he has his own payments each month
£1499.76
Surplus income : £9.76
any help would be gratefully recieved indeed as i am wanting to phone the court to set a date.  
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cherie.ge
Starting Member
8 Posts |
Posted - 02 November 2009 : 17:37:33
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I also wanted to ask in 2006 i opened a basic cash account with alliance & leicester so as not to get myself into anymore debt problems, do you think i will be able to keep this account of will it be frozen as my wages and benefits are paid into there
thanks cherie
p.s this website is great (so many of the other posts have put my mind at rest and made me feel a bit better about everything)
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In 2 Deep
Junior Member
United Kingdom
161 Posts |
Posted - 02 November 2009 : 20:51:03
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Cheire,
If ou do not owe any money to A&L, and it as no credit facilities the account will be ok. Do not put it down on the BR form, but mention to the OR during interview.
Gd luck.
quote:
Originally posted by cherie.ge
I also wanted to ask in 2006 i opened a basic cash account with alliance & leicester so as not to get myself into anymore debt problems, do you think i will be able to keep this account of will it be frozen as my wages and benefits are paid into there
thanks cherie
p.s this website is great (so many of the other posts have put my mind at rest and made me feel a bit better about everything)
Treat EVERY Penny as a prisoner. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 02 November 2009 : 21:20:07
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As far as I'm aware A & L aren't BR friendly so I would be careful. A while ago they froze the account of someone on the IVA forum and they had problems getting their money.
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/
28 IPA payments made, 8 to go - in single figures! |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 02 November 2009 : 22:14:23
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Hi cherie.ge 
Just to say I went to the A & L to open their basic account - was not BR at that time (a week away).
The staff looked down on me first of all - I was not going BR at that stege - just wanted a "simple" account.
Anyway, did go BR - got my "welcome pack" and it said no undischarged BRs (as they are like scum) my words in parenthasis!! They did not say that - but it was implied...
So I went BR and the next day to the Co-op and the account was open -I said I was undischarged BR and was told that most of their new business was that!!
She made me feel important - I have so say I had in my business dealt in seven figures through the accounts in a year - so it was nice to be made welcome with pennies going into the account - They are the same on the phone - if there was an award - Co-op would qualify
Good luck, Richard
"There are no problems - only solutions..." |
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cherie.ge
Starting Member
8 Posts |
Posted - 03 November 2009 : 20:49:45
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| Would someone please be able to check my soa which i have posted, im wanting to put pen to paper and contact the court for a date. many thanks in advance, cherie |
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cherie.ge
Starting Member
8 Posts |
Posted - 03 November 2009 : 20:51:26
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and thanks for the reply with regards to the bank account, think i will make arrangements for my income and benefits to be paid into my partners account until i can sort something out, can i ask do you get some sort of debit card with the co - op or is that barclays
thanks again
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In 2 Deep
Junior Member
United Kingdom
161 Posts |
Posted - 03 November 2009 : 21:30:13
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Cherie,
Have a look at the following link. It will give you some idea of what is accepted by the OR.
http://www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls
quote:
Originally posted by cherie.ge
and thanks for the reply with regards to the bank account, think i will make arrangements for my income and benefits to be paid into my partners account until i can sort something out, can i ask do you get some sort of debit card with the co - op or is that barclays
thanks again
Treat EVERY Penny as a prisoner. |
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Topic |
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Hi, im currently looking into going br
