Can he ask for it all back? - Update

purple-pear

Good Luck on Thursday x

tigerfeet2006

Summer1969 wrote: »

Ok, think this is ok. Thanks for your help.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 350
Partners monthly income after tax....... 675 (contribution)
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1025

Monthly Expense Details
Mortgage................................ 350
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 50
Council tax............................. 100
Electricity............................. 60
Gas..................................... 40
Oil..................................... 0
Water rates............................. 23
Telephone (land line)................... 10
Mobile phone............................ 25
TV Licence.............................. 11.95
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 10 £40/50
Petrol/diesel........................... 0 How are you getting to work? You need to add travel.
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 19.49
Pet insurance/vet bills................. 0
Buildings insurance..................... 20
Contents insurance...................... 11.54
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 5 £10
Entertainment........................... 10
Holiday................................. 0 £30/40
Emergency fund.......................... 0
Total monthly expenses.................. 1005.98


Assets
Cash.................................... 0
House value (Gross)..................... 100000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 100000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 118000...(350)......3.5
Total secured & HP debts...... 118000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,025
Expenses (including HP & secured debts). 1,005.98
Available for debt repayments........... 19.02
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 19.02

Personal Balance Sheet Summary
Total assets (things you own)........... 100,000
Total HP & Secured debt................. -118,000
Total Unsecured debt.................... -0
Net Assets.............................. -18,000

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

You will need clothes if you are in a job, so up your clothing allowance. Are you office or customer based? Do you need smart suits? If so then add £10 dry cleaning. How will you get to work? Car, bus, train? You need to add travel expenses. Up your hairdressing as well as you need to look nice. Put down holiday as some OR's allow and some don't.

Summer1969

tigerfeet2006 wrote: »

You will need clothes if you are in a job, so up your clothing allowance. Are you office or customer based? Do you need smart suits? If so then add £10 dry cleaning. How will you get to work? Car, bus, train? You need to add travel expenses. Up your hairdressing as well as you need to look nice. Put down holiday as some OR's allow and some don't.

Hi there, thank you for your input.

I will be walking to walk and back, so no travelling costs. It is office based, its a part-time PA position. I do have smart work clothes already, but hadn't thought of dry cleaning, thanks. If I can get away with the hairdressing and holidays, I will give it a go. Thank you.

Summer1969

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 350
Partners monthly income after tax....... 720 (contribution)
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1070

Monthly Expense Details
Mortgage................................ 350
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 50
Council tax............................. 100
Electricity............................. 40
Gas..................................... 60
Oil..................................... 0
Water rates............................. 23
Telephone (land line)................... 10
Mobile phone............................ 25
TV Licence.............................. 11.95
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 25
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 19.49
Pet insurance/vet bills................. 0
Buildings insurance..................... 20
Contents insurance...................... 11.54
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 20
Entertainment........................... 10
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 1055.98


Assets
Cash.................................... 0
House value (Gross)..................... 100000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 100000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 118000...(350)......3.5
Total secured & HP debts...... 118000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,070
Expenses (including HP & secured debts). 1,055.98
Available for debt repayments........... 14.02
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 14.02

Personal Balance Sheet Summary
Total assets (things you own)........... 100,000
Total HP & Secured debt................. -118,000
Total Unsecured debt.................... -0
Net Assets.............................. -18,000

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

empty_wallet_2

You might not get entertainment but you could always stick it in pets expenses, thats what i did, do you use your oh's car? you could show a contribution towards its running expenses maybe or a taxi to Asda for shopping? You can up your clothing allowances, especially if your walking to work as you would need some decent shoes and coat, have a sit down and work out what clothes you would go through in a year, i started off with £20 a month but then sat down and worked out how long clothing lasts especially for work, even undies and socks aint cheap and it worked out at £60 a month over the year.

Summer1969

empty_wallet wrote: »

You might not get entertainment but you could always stick it in pets expenses, thats what i did, do you use your oh's car? you could show a contribution towards its running expenses maybe or a taxi to Asda for shopping? You can up your clothing allowances, especially if your walking to work as you would need some decent shoes and coat, have a sit down and work out what clothes you would go through in a year, i started off with £20 a month but then sat down and worked out how long clothing lasts especially for work, even undies and socks aint cheap and it worked out at £60 a month over the year.

I do have a cat, she hardly costs a penny but yes, I could put entertainment down in the pet option, thank you. We don't own a car. I don't want to take the p*ss re clothes, I have a couple of decent coats and a fair amount of shoes. I am only working 11 hours a week so they should last me a long time.

Thank you for your input.

empty_wallet_2

Summer1969 wrote: »

How to spoil my weekend.

Got a letter from the OR today, asking me in for an interview on 3 March. Doesn't say why and says it will last 2-3 hours.

I am so fed up. I went BR 7 months ago, they had all the info they wanted off me back in October and suddenly, I get this. OH said he is coming with me, he wants to make a complaint about how this has been handled. I know the OR has a job to do, but I feel I have been left hanging for 7 months, I have provided absolutely everything they wanted, had three long OR telephone calls, sent back loads of information, ages ago, and I now have to sit through an interview. I have no more information to give, so I don't understand why.

Summer, been there and got the T shirt.
It took them 5 months to request a F2F interview, i thought it was the letter to say they were going to give me early discharge :rolleyes: , i hadn't heard anything for 3-4 months, the investigator wanted more info, even though i said i had provided everthing i had got to the OR. I had a 3 hour grilling (had to fight the urge to punch the jumped up pricks lights out), going over the same thing time and time again, in the end they gave me a choice of going to court with possiblity of BRO for 4 years or accepting his findings and taking a BRU for 3 1/2 years, i couldn't be bothered with the hassle and took the BRU (i was tempted to go tocourt though and fight it) and as my credit rating is shot for 6 years what effect is a BRU going to have on me

Oh and i think they have 10 months from BR date to apply for a BRO/U after that time they either have to apply to extend the investigation period or drop it

Summer1969

empty_wallet wrote: »

Summer, been there and got the T shirt.
It took them 5 months to request a F2F interview, i thought it was the letter to say they were going to give me early discharge :rolleyes: , i hadn't heard anything for 3-4 months, the investigator wanted more info, even though i said i had provided everthing i had got to the OR. I had a 3 hour grilling (had to fight the urge to punch the jumped up pricks lights out), going over the same thing time and time again, in the end they gave me a choice of going to court with possiblity of BRO for 4 years or accepting his findings and taking a BRU for 3 1/2 years, i couldn't be bothered with the hassle and took the BRU (i was tempted to go tocourt though and fight it) and as my credit rating is shot for 6 years what effect is a BRU going to have on me

Oh and i think they have 10 months from BR date to apply for a BRO/U after that time they either have to apply to extend the investigation period or drop it

I posted in your thread. It helps to know I am not alone, not that I would wish being kept hanging on for months on anyone, but it helps to hear advice and personal experiences from people that are out the other end. And I hope that I won't want to punch his lights out, OH will be with me, though he may want to. :rotfl:

empty_wallet_2

Summer1969 wrote: »

I posted in your thread. It helps to know I am not alone, not that I would wish being kept hanging on for months on anyone, but it helps to hear advice and personal experiences from people that are out the other end. And I hope that I won't want to punch his lights out, OH will be with me, though he may want to. :rotfl:

:rotfl: :rotfl: Yeah i just read your posting and then i thought damn i just repeated what i put on my posting

I would say what annoyed me most about the BRU was that the investigator sent the interview request, BRO/U intention of proceedings and copy of BRU through normal post, i would have thought it should have been sent recorded delivery to make sure i got it, especially as only they give you 14 days to reply to the intention of proceedings and if you don't reply then they apply to the courts for the extended BRO and we all know how unreliable the post can be at times. I also love the plain brown envelopes with the big if undelivered return to insolvency blah blah stamp on it. I reckon our postie must have thought i was working for them at one point.

empty_wallet_2

Summer1969 wrote: »

I do have a cat, she hardly costs a penny but yes, I could put entertainment down in the pet option, thank you. We don't own a car. I don't want to take the p*ss re clothes, I have a couple of decent coats and a fair amount of shoes. I am only working 11 hours a week so they should last me a long time.

Thank you for your input.

When i posted my SOA on here over a year ago i was sort of told to inflate some area's of it to take into account that the OR may not give me allowances for some area's i put down, i know in my telephone interview he said he wouldnt normally allow xmas but as i had a shortfall in income to expenses he would allow it on this occasion. We had a cat (till she lost her 9 lives) and planned on maybe getting another so stuck in £20 a month but as it turns out our landlord wouldnt allow us to have a cat so it has been my entertainment budget for the last 12 months.
I've had shortfalls in a few area's of my budget this year, mainly car repairs and dentist (even on nhs i've just had £200 of work done this past month) and i only claimed £10 a month for dentist/prescriptions so you may need to pull in extra from other area's.