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BankruptC
Senior Member
1030 Posts |
 Posted - 22 September 2008 : 11:12:23
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Thanks for clarifying that John. As I keep saying (and you know too well from all my earlier questions!) I am no expert on the technicalities and can only give info as I understad it. I have read online and found it again last night that people have been refused BR if it would still mean they were insolvent afterwards. I'm really sorry if I misled in anything I said as that's the last thing I want to do.
Thanks again for clarifying it.
C. x |
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poopedmass
Junior Member
United Kingdom
229 Posts |
Posted - 22 September 2008 : 14:13:24
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We went bankrupt on the 17th september we dont see the OR until the 15th October by which time we will have beeen paid again, will they back date the payments or will it start the following month?? No idea how this works!!!
lou x |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 12:06:16
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Hi all ,
These are my final figures for SoA . Anybody got any thoughts please ;-
Mortgage / secured loan £571 + £575
gas / electric £110
water £32.60
council tax £96
british gas service contract £17
Food / cleaning £440
travel expenses ( petrol ) £60
clothing £80
phone £46 (18 landline 10 pay as u go 18 contract )
internet £19
scooter finance £56 ( 7 payments left out of 30 )
scooter insurance £9
scooter tax £1.50
car insurance £20
car tax £16
repairs / mot / servicing £35
home insurance £12
life insurance £26
tv licence £12
hairdressing £20
dentist £12
modest uk break £40
total £ 2306.10
income ;- £1580 my wages / £570 wife wages / £175.60 child benefit
Total £2325.6
surplus of approx £20
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 12:08:40
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| Sorry should have said its for family of 5 ( 2 adults 3 kids ( 17 / 10 / 4 ) ) |
Edited by - digman on 02 October 2008 14:23:42 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 14:27:01
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Hi Digman
From what i can see it all looks fine.
We are a family of 5 and our OR allowed us 155 for clothing.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 14:32:59
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Dont list internet seperately they wont allow that but if you add into your phone charges you should be ok.
We were allowed £75 each on gas and electric.
Your travel for fuel you could go up a bit better to add more than less.
We put £90.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 14:34:08
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We do pay £80 per month on the gas and electric each so we were not far out.
Food and cleaning we had £534 for 5
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
Edited by - Needafriend on 02 October 2008 14:34:29 |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 14:34:24
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Thank you again Jo . Please forgive me for asking Jo , and feel free not to answer , but did you get an IPA ? Are the figures you put down on I&E on your blog ? Although saying that , it was just you who went BR if im not mistaken and not your OH ?
Andy |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 14:36:56
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Hi Digman
Email me a home number as per my email address and i can advise what we did.
But if you dont we both went BR. No i dont have actual figures from the OR just what they told me over the phone not complete.
I am just trying to figure out all of what they allowed.
The only IPA we had given to us was the NT Tax code one. We did not have enough DI to go onto an ordinary one.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 14:37:38
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| Sorry Jo , bit of cross posting going on i think !! lol . Our gas & electric are a combined account and therefore a combined DD of £110 . Was £98 up until last night but when i rang them to query why the DD had not been taken they wanted to put it up to £144 to which i objected and they agreed on £110 |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 14:39:08
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| Email sent Jo , thanks |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 14:41:35
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Got it!
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Nat
Junior Member
367 Posts |
Posted - 02 October 2008 : 14:53:38
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Hiya
firstly good luck for tomorrow!!!
Just had a look at your I&E and thought that i would let you know some of the things that i put down on mine, and were accepted (it's just me and 2 children aged 11, twins)
Food/cleaning £398
Hairdressing £30
Clothing £75
My broadband, dentist (only as private) had to come out of DI, not that i had any but have excess in CB and Maintenance which is not included in I&E
Kids expenses such as extra curricular activites, school trips have to come out of any CB or maintenance.
Thought that it might help you a bit, don't be afraid to put more down for clothing and hairdressing is what i'm saying basically there's no way i could manage with £20 a month for hairdressing as son needs his hair cutting at least once a month and i £9 a time. I know prices do vary but have to say hairdressing in lincoln is expensive, I have friends who are from other areas and wait to have their hair done when they go back!!!
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 19:28:01
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Thanks Nat for your reply . We are not to far from each other as the crow flies , we are nr Hull .
I have took on board yours and others suggestions and have amended accordingly . Final I&E ( hopefully ) is on the thread title ' Good luck for tomorrow Digman '
Thanks for your good wishes Nat , Hope all going ok for you ,
Andy |
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Topic |
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section 7 on the SoA ?
