Someone check my SOA pls?

cardinalfire

Hi

I wondered if someone would kindly look over my SOA and see if it seems okay, whether it's likely to be accepted?

Am a lone parent with 1 child, total income of 1243.63

Rent 327 (303 usually, 24 arrears)
Council Tax 82
TV licence 11.37
Gas 35
Elec 22
Water 32 (includes covers of arrears of 124)
Phone & Internet 40 (what would happen if am on 12 month contract and would have to pay internet anyway, would they let me keep it? also if child needed it for school - is at high school)
Contents insurance 9
Life insurance 10
Child's School bus pass 45.6
My park & ride fare 45
school trips 5
charity 3
Glasses 9
Dentist 13
Cat Vet 10
Food & toiletries 200
Social/entertainment 60
child's pocket money 10
Cat food and litter 32
Petrol 80
Car Tax 10
MOT & repairs 29
Car Insurance 7
Savings/emergency 10
Hair 15
Clothing/footwear 30
Holidays 40

Total left= £4 (ish)

Am i allowed for christmas/birthdays?

I would really appreciate it - thankyou in advance

dalip

cardinalfire wrote: »

Hi

I wondered if someone would kindly look over my SOA and see if it seems okay, whether it's likely to be accepted?

Am a lone parent with 1 child, total income of 1243.63

Rent 327 (303 usually, 24 arrears)
Council Tax 82
TV licence 11.37round your figures up £12
Gas 35
Elec 22
Water 32 (includes covers of arrears of 124)
Phone & Internet 40 (what would happen if am on 12 month contract and would have to pay internet anyway, would they let me keep it? also if child needed it for school - is at high school)Just put as phone,then argue if it gets qestioned
Contents insurance 9 £20
Life insurance 10
Child's School bus pass 45.6£46
My park & ride fare 45
school trips 5
charity 3not sure this would be allowed
Glasses 9£30 for health(coverning dentist,perscription,glasses)
Dentist 13
Cat Vet 10try £20
Food & toiletries 200 £230
Social/entertainment 60this won't be allowed
child's pocket money 10not sure this will be either
Cat food and litter 32included in general food
Petrol 80
Car Tax 10
MOT & repairs 29
Car Insurance 7
Savings/emergency 10
Hair 15
Clothing/footwear 30could mybe try for £50
Holidays 40

Total left= £4 (ish)

Am i allowed for christmas/birthdays?

I would really appreciate it - thankyou in advance

To be fair you have holidays/emergency don't push your luck with birthdays too. Make the changes i have suggested and see how that pans out. Too late for me to start doing maths:o

deedee_3

cardinalfire wrote: »

Hi

I wondered if someone would kindly look over my SOA and see if it seems okay, whether it's likely to be accepted?

Am a lone parent with 1 child, total income of 1243.63

Rent 327 (303 usually, 24 arrears)
Council Tax 82
TV licence 11.37
Gas 35
Elec 22
Water 32 (includes covers of arrears of 124) the arrears will be included in your bankruptcy so put your normal amount down.
Phone & Internet 40 (what would happen if am on 12 month contract and would have to pay internet anyway, would they let me keep it? also if child needed it for school - is at high school) Just put this down as phone don't mention internet.
Contents insurance 9
Life insurance 10
Child's School bus pass 45.6
My park & ride fare 45
school trips 5 Up this to £25/30 and name it child activities
charity 3 Not allowed has to come out of surplus.
Glasses 9
Dentist 13
Prescriptions?
Cat Vet 10
Food & toiletries 200 you might be able up this others will advise.
Social/entertainment 60 this will have to come from surplus
child's pocket money 10 not sure about this
Cat food and litter 32 this will have to be included in housekeeping
Petrol 80
Car Tax 10
MOT & repairs 29
Car Insurance 7
Savings/emergency 10 probably won't be allowed this but leave and see make it christmas/emergancy maybe up to £20
Hair 15
Clothing/footwear 30 up this to £50
Holidays 40

Total left= £4 (ish)

Am i allowed for christmas/birthdays?

I would really appreciate it - thankyou in advance

Are you renting from council/HA or private?

JCS1

Charity and pocket money not classed as essential and so will be disallowed.

cardinalfire

Am renting from HA

cardinalfire

Am renting from HA

dalip

Glad to see we almost agreed on everything dee:D

cardinalfire

Am abit worried about car and being able to keep it. I think it may cost me £100 to use public transport (although would have to check) rather than the £192 to have car but i live in middle of nowhere and would cost me more getting around throughout the month paying for child's bus fare and my own, would this be taken into account do you think or are they just concerned with getting to work only?

dalip

Why, what is the car's value?,check on parkers guide if you are not sure. Do you need it for work?.D

deedee_3

cardinalfire wrote: »

Am renting from HA

Thanks for that. The OR will probably agree to you paying your arrears still then if the HA are difficult about it going into your bankruptcy.

cardinalfire

Yeh I need it for work as its 10 miles away, I dont need it for work once i am there though. The car's value is probaly 0, i found a similiar one with much less mileage (mine as 98k) and no dints in it (mine has a few) and that was £270.