preparing for bankruptcy

MummyHol

Other pre-BR-ers seem to be refering to a guide or notes for the forms, what are these and were can i find them (this could make things so much easier)

tigerfeet2006

MummyHol wrote: »

Into my acount goes:

£75 child bens every 4 weeks
£193 child tax credit every 4 weeks (this is £193 from the next payment but the previous payments since april have only been between £145 and £175) Also- not sure if this counts as my income because although it is payed into my account its OH's CTC award

Outgoings:

Rent £76.13 per week You need to work this out per month
Housekeeping £200 per month
Gas & elect £70 per month
Water £15 per month (last bill was 8 months worth so i've had to do some crude calculations to come to this figure)
Telephone £30 per month (this is the basic virgin package)
Travel £3.00 per week (this is for the bus to and from DS's playgroup- is this allowed) It is essential travel. You need to work it out monthly. Do you travel any other time.
Clothing £20 per month (is this acceptable) Yes, if you need to you can up it
Maintenance £0.00 (our housing association is responsible for most repairs here)
Council tax £110 per month
Other essentials £0.00 (not really sure what this would include- DS's playgroup fees possibly?)

Total outgoings: £524.13

So OH's contribution is £256.13

I've missed out OH's car insurance, diesel, road tax, clothes and other outgoings because they're his expenses.

Basically all my income goes towards the collective bills and OH puts in the rest. I have no way to prove that my money does go towards the bills because i have a cash card account so i just withdraw the cash and give it to OH to pay the bills, or to pay for food

Hair cuts £10 per adult. Do you pay for prescriptions? Eye tests? Glasses? Dentists?

MummyHol

If anyone is still about i could really so with some help with these forms- i've found some guidance notes by doing a google search but they're not very helpful at all.

tigerfeet2006

MummyHol are you filling in the paper copy or online?

MummyHol

thanks tigerfeet.

the only other travel i do is in OH's car (with him driving- i don't have a full license)

how much can i up the clothing by? i do have an 18month old son whose big for his age and going through a growth-spert so the amount we're spending is going to be going up in the next couple of months

used to pay for contact lenses but was told by CCCS that the amount i was paying was more than i would be allowed so i cancelled them. i've been avoiding the dentist since my maternity stopped (too expensive)

MummyHol

paper copy

tigerfeet2006

MummyHol wrote: »

thanks tigerfeet.

the only other travel i do is in OH's car (with him driving- i don't have a full license) Ok, was just wondering if you did any other bus travel.

how much can i up the clothing by? i do have an 18month old son whose big for his age and going through a growth-spert so the amount we're spending is going to be going up in the next couple of months try £50/60. Though do make sure you join https://www.freecycle.org You click on browse groups and join all groups in your area (when you join make sure you click on daily digest or you will be innundated with emails.) You express an interest in anything you like and if chosen you can pick it up for free.

used to pay for contact lenses but was told by CCCS that the amount i was paying was more than i would be allowed so i cancelled them. i've been avoiding the dentist since my maternity stopped (too expensive)

Do you wear glasses then? You should make provision for dentist as well. Put down £20 for medical.

tigerfeet2006

Any questions you have on the forms just ask there is usually someone who can help.

Check the Bankruptcy Help sticky at the top of the forum. There is links to help with the forms.

MummyHol

i do wear glasses- tbh its an old pair that aren't really up to my current prescription though

i'm not sure what to say about why i got my loan out in the first place- i did intend to use it to get driving lessons and buy myself a car (i was pregnant at the time) but it all got spent on baby stuff, hormonal indulgances and bills in the end and obviously i had expected my employer to take me back after maternity so i never thought for a second that i would be unable to pay it back


also- will they check the statements from when i got the loan? i can't be sure because my memory is cr*p but i think i might have transfered the full amount into either a joint account with OH or OH's account because it was easier for us to access at the time. Is that going to look a bit strange to them?

sandywindsor

The Br clerk didn't really talk to me about why the debts happened this was left with OR.hormonal problems and all I think should not be too much of a problem. i found the clerk really helpful at amending things I had missed.yu got the right amount of copies?


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Sandy