soa and paying board

samzak

Hi just after some advice regarding soa. As i live at home (with just my mum) when i do come to filling in my soa how will i prove to my OR that i am giving her X amount every month? (as my name isnt on any of the household bills)

Also been searhing threads for questions on phone contracts- will my phone contract be written off therefore i need a new number? hope im making sense

philnicandamy

Your phone contract should be ok & allowed as long as its not too high & your not in debt with the provider......many members here have kept mobile contracts without problems while bankrupt

How do you pay your mum board? cash or cheque? the OR will see regular ammounts coming from your bank accounts they shouldnt really question what you put unless they think your trying to pull the wool over their eyes

samzak

I havent paid anything for a few months cos i havent been able to afford to but if i put down £300 per month and pay her by standing order then it wont get questioned?

As for the phone contract it is in arrears and probably cut off by now! I havent checked as i`ve got a PAYG chip which i`m using. It is in arrears by about £148. Will this be included in my BR or will i still have to pay them?

I haven`t seen anything mentioned on catalogues either, i have a total bill of around £1,900 which i`ve not paid for 3 months. Surely this will be included in my BR?

philnicandamy

Shouldnt really...as long as its not too excessive the OR is well aware of ammounts for rent/bills etc...they understand your circumstances and will give you chance to be open and honest & explain "if" needed

Ahh the mobile should be included in your bankruptcy petition as one of your debts then....you wont have to pay the £148 as its wiped out by your BR petition

Most debt is included in bankruptcy apart from student loans and something else I cant for the life of me remember (its been a long day & i've got a fuzzy head!) so put ALL your debt down catalouges as well BUT remember once these are included and wiped by your BR you'll be unable to use them again for anything...

samzak

Thats great thankyou, all these niggling thoughts keep coming to me! Thanks for your help.

philnicandamy

thats what we're here for.....any niggles anytime shout up & someone will have an answer for you!