Can he ask for it all back? - Update

Summer1969

empty_wallet wrote: »

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 extar from other area's.

Thanks for the tips.

Summer1969

I am feeling very calm now actually about the meeting on Thurs. First it was panic, then I got the stomach aches, but now I am prepared, I will just take a deep breath and take whatever comes. I think I feel calm as it at least now looks like the end is in sight.

Many thanks again for all the advice.

Merry_Gentry

Glad you are feeling more relaxed about it all.

tigerfeet2006

Summer1969 wrote: »

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 is it really this low?
Mobile phone............................ 25
TV Licence.............................. 11.95
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250 £350
Clothing................................ 25 £30/40
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 £10/20
Buildings insurance..................... 20
Contents insurance...................... 11.54
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 20
Entertainment........................... 10
Holiday................................. 20 £30
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.

A few comments for you.

dalip

Summer1969 wrote: »

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)................... 10make it £20 to include and cover your internet
Mobile phone............................ 25
TV Licence.............................. 11.95£12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250£280
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£19
Pet insurance/vet bills................. 0
Buildings insurance..................... 20
Contents insurance...................... 11.54£12
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10not usually allowed
Haircuts................................ 20
Entertainment........................... 10not allowed
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.

Hi summer. Sorry it took me so long........problems with OH......long story.

Ok, i would, if it was me forget the birthdays ect and put up the housekeeping. You are still well below the OR limits for housekeeping so to my way of thinking,why risk something they can disallow when other essential areas are on the low side . Only my opinion:o .

I will be with you on thursday in spirit,good luck girl. Dx

Summer1969

dalip wrote: »

Hi summer. Sorry it took me so long........problems with OH......long story.

Ok, i would, if it was me forget the birthdays ect and put up the housekeeping. You are still well below the OR limits for housekeeping so to my way of thinking,why risk something they can disallow when other essential areas are on the low side . Only my opinion:o .

I will be with you on thursday in spirit,good luck girl. Dx

Thank you hun, some good tips there.

Hope everything is ok with you. xx

dalip

Yes thanks for asking sweetheart it's nothing i can not handle:p

Summer1969

Right, I have tweaked it a little, I am happy with this. Thanks everyone. You have been a great 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....... 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............................. 83
Electricity............................. 40
Gas..................................... 60
Oil..................................... 0
Water rates............................. 23
Telephone (land line)................... 20
Mobile phone............................ 20
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 280
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
Pet insurance/vet bills................. 5
Buildings insurance..................... 20
Contents insurance...................... 12
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 1054


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). 1,054
Available for debt repayments........... 16
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 16

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.

dalip

Yes summer i would say thats about watertight. Well done girl:T .Dx

Summer1969

dalip wrote: »

Yes summer i would say thats about watertight. Well done girl:T .Dx

Phew. Well let him do his worst, I'm ready.