Skinty McFlinty's BR Diary - what happened next....

Richard_S

SkintyMcFlinty wrote: »

Hi Richard - I informed the insurance company that the premises were vacant at the end of July and they said they'd cover for 60 days. So that bit is sorted. I've also detailed this in my br petition. Are you saying I should also tell NR I've vacated or were you just meaning the insurers?

Sounds like you had a good night then - just a shame you can't remember bits! Thats the Amber Seductress for you!!

Hi Skinty,

Yes, tell NR, and then they'll cover it under their policy; that way you're covered if anything happens. I think they do it as a matter of course when a property is empty, and there are problems with the mortgage being paid, but best not to take a chance. If you can prove that you've kept them updated then there shouldn't be a problem.

Sometimes, it's best that "one" can't remember everything from a night before.:D

Richard

SkintyMcFlinty

Hi All - Tomorrow's the big day! So, just running through the forms and the last bit I'm filling in is my SOA, so here goes (based on 1 adult):

Rent 575
Water 33 (high because of way DD worked out, should be 24 usually)
Council Tax 122 (as above, should usually be 87-ish)
Gas 40
Electricity 40
Contents Insurance 33
Telephone/Mobile 30
TV Licence 12

Car Servicing 20
Road Tax 10
Car Insurance 25
Breakdown 3
Fuel 90 (I travel 150 miles a week to work and back)
Housekeeping 184
Clothing & Footwear 49
Dentist Optician 5
Hairdressing 10
Entertainment 15
Holiday 35
Emergencies 10
Total Expenditure 1341
Income 1395
Surplus 54

Probably get car taken but I've worked out my SOA with it just in case. Anything I've missed? Anything thats likely to be disallowed? Thanks guys. x x

SkintyMcFlinty

And, do I list myself as living at my present address in section 10.1?

Jaks

Just had a look at Section 10.1 and I have just realised that I haven't added myself or my Dh to this. I only added the kids.

Thanks for bringing this question up, if it wasn't for you I would have done this one wrong.

Good luck for tomorrow

dalip

SkintyMcFlinty wrote: »

Hi All - Tomorrow's the big day! So, just running through the forms and the last bit I'm filling in is my SOA, so here goes (based on 1 adult):

Rent 575
Water 33 (high because of way DD worked out, should be 24 usually)
Council Tax 122 (as above, should usually be 87-ish)
Gas 40
Electricity 40
Contents Insurance 33
Telephone/Mobile 30
TV Licence 12

Car Servicing 20
Road Tax 10
Car Insurance 25
Breakdown 3
Fuel 90 (I travel 150 miles a week to work and back)maybe up this to about £110
Housekeeping 184
Clothing & Footwear 49
Dentist Optician 5they usuall allow£30 for dent/opt/persc
Hairdressing 10
Entertainment 15not allowed
Holiday 35
Emergencies 10
Total Expenditure 1341
Income 1395
Surplus 54

Probably get car taken but I've worked out my SOA with it just in case. Anything I've missed? Anything thats likely to be disallowed? Thanks guys. x x

Ok thats about it. Added a bit in case they cut back in other areas. Good luck.Dx

dalip

SkintyMcFlinty wrote: »

And, do I list myself as living at my present address in section 10.1?

I did not. I only put my OH and hubby but not sure i got it right.lol

SkintyMcFlinty

Thanks Dalip - as always you're a star x x

Jaks - glad to have sort-of helped

dalip

No worries and all the best will be thinking of you tomorrow;) .


Just think how well you will sleep tomorrow!

CG77

Hi Skinty,

Just to throw a spanner in the works, I've just seen someone on another forum who's had their expenditure allowed today. Again a single person, and for housekeeping/meals at work, she was allowed £300!!

CG. x

SkintyMcFlinty

4 September 2008
It is done - I'm BR. This is how it went....

I arrived for my appointment one and a half hours early for my appointment. This is not a requirement but rather me being paranoid about running into traffic and being late for my appointment. I rang the BR clerk to check what time I should arrive for my appointment and she said to come along at my allocated time. Up until then I had been completely composed, however, as I hung up I completely lost it and began to cry. Luckily, I had a friend with me and she managed to calm me down. For the next hour we had a wander round the surrounding area to kill time and then we made our way to the Courts.

As we went in we passed through security - just like at airport control. Then we made our way to the BR Section, where I was dealt with within 5 minutes by a very friendly lady who was nothing but helpful. She checked my forms, they were all in order, paid my fees and swore my affidavit. I was then told that I would be seen by the judge between 12 and 1pm. So, we went for a coffee and before we knew it, it was time! :eek:

We arrived at the district courts section and I let the usher know I was there. I was called into the judges chamber within 20-30 minutes. The judge looked through my forms, asked a few questions, I said yes a few times and he then declared me br - all within a few minutes. I felt numb, no tears - nothing. I made my way back along to the br clerks office where I was given a copy of my petition which also had my br number on it and told the or would be in touch within 2-3 days. And then I left.....

As I sit here typing, I still feel wierd as it doesn't really feel real yet. However, the knowledge that this a fresh start is a good feeling.

I'm keen to have my or interview to establish whether I get to keep my car. I don't think I will be able to from what I've been told by the CCCS and read on this forum. I'm prepared for it happening though.

So, you lovely people, all thats left is for me to offer my most sincere thanks for all your support over the last few months. You really have been absolute stars! Thank you. :beer:

I will continue to post about what happens from here as I do want to give something back in the hope that it helps someone else in a similar situation.

Next stop - OR-ville! Yikes! :eek: