Filling out your Soa when you are both going BR.

tigerfeet2006 · 14 January 2009 at 11:14AM

In response to a couple of posts by people who did their joint SoA diferently I have phoned the Insolvency Service 6 times this morning and spoken to 6 diferent advisors, thought would get a few opinions. They have all said that bankruptcy is an individual thing and when filling out the forms you

1) Put the joint house hold expenses down on the form ie rent/mortgage, utilities, council tax.

2) Next put your own personal expenses down ie mobile, hair, car.

3) You put your own complete income down.

4) You put the contribution to the joint household bills that your OH makes. This does not have to be full wage but a percentage of their income.

I am going to email them later with the same question and will see what answer I get. Will post it on here when I do, though they do tend to take a couple of days to answer emails.

Hope that helps some people.

Costus · 16 January 2009 at 3:37AM

Maybe we and a few others got lucky and managed to get away with filling in our SOA's this way, (made things a darn sight easier).

To be honest, with us being a married couple and me being the major bread winner all we do with our money is put all of our money together and pay whatever needs paying, and if there is anything left at the end (not very much to be honest) we either put it away for a raining day, treat our little 'un or something along those lines.

To me it makes alot more sense to deal with a married couple who are both going BR this way.

But thank you for going to all your effort TF and getting the official line.

wallopadonkey · 16 January 2009 at 10:19AM

i am the money maker in our house as mrs donkey has 3 boys under 4 her income is child tax credit working tax credit and we are hoping to get housing benefit but ll not playing game at the moment

we did the same on each as it is all we have to give

tigerfeet2006 · 1 April 2009 at 8:49AM

Hmm! never did get a reply from the IS, unless it went to junk mail. Will have to fire off another and see.

sarahspain · 1 April 2009 at 10:24AM

I'm trying to do ours at the moment, but who takes responsibility for joint things like - childrens hair cuts, school meals, any other child related expenses?

All our accounts are joint, and I think I am going to do the same SOA for both of us as we both use the car, the children belong to both of us etc.. and then if the OR wants to change it they can.

The notes for filling in the BR forms are very poor:rolleyes:

peachyprice · 1 April 2009 at 10:35AM

Thanks for the great investigative work TF, you're a star.

A note to others reading this, we have had several members who have done a joint SoA the same for both and have landed up with huge incorrect IPA's as a result.

It works out OK to do it joint if you're not likely to have enough surplus for an IPA, but once you have it can really mess the figures up, because if you show a surplus of £100 on each SoA the OR can take £50 from both of you, even though you mean it to be a shared surplus.

So please be careful if you are doing an incorrect joint SoA. There's no such thing as a joint BR, so there cannot be such thing as a joint SoA.

katthehat · 1 April 2009 at 10:53AM

Don't know if this will help or confuse matters but myself and OH went BK 19th march. Both on JSA and HB at moment (on advice from caseworker at cab) we filled 1 soa incomings at 0.00, and the full amount of incomings on other soa instead of halving them. then in the section to put 'other' we explained on the 0.00income soa all details were in partners form as going BK at same time and it was a joint income.

Hope you can make sense of that??

Bnjracing · 1 April 2009 at 3:41PM

Hi all Our OR does it slightly different and when I queried it she said that is how it is done at this office!

They assess the first party SOA and if there is disposable income set up an IPA, then they assess the second party SOA, deduct the IPA payment as it is an expense and then if there is enough disposable income they set one up and if there isn't they don't.

After sending latest set of SOAs in (which had disposable income at £80 due to hikes in electric and council tax) haven't heard anything. Previous set had us £29 over the top so they were going for one IPA of £64 on OH and none on me, where as far as I could see neither of us should have one

Is television licence an allowed expense (if so have this in reserve if they decide to quibble over the last few quid again!)

mna78 · 1 April 2009 at 3:55PM

This is confusing, we put our money into a pot and we both use it...

In our case I'm currently out of work just in the signing on stage for JSA and my wife does not work as she looks after our children. So would her income be 0? what about outgoings, we can't allocate a % of 0?

peachyprice · 1 April 2009 at 3:57PM

Bnjracing wrote: »

They assess the first party SOA and if there is disposable income set up an IPA, then they assess the second party SOA, deduct the IPA payment as it is an expense and then if there is enough disposable income they set one up and if there isn't they don't.

And yet for Rosie they wouldn't allow the IPA as an expenses when they calculates the IPA's, which I think was wrong. It's crazy you'd think there would be one standard way to do it.

Bnjracing · 1 April 2009 at 4:34PM

I would have thought there would only be one way to calculate it as well which is why I haggled a bit. Hopefully not having any news is good news - OR did say she needed to pass us over to the other department so will go back to keeping head down until they contact us again

Filling out your Soa when you are both going BR.

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