2 days to go and still stressing over the forms

howdidthishappen

hearing is at 1.15 on tuesday and i still havnt completed one set of forms yet. I am probabaly over half way, i just have the difficult bits left.

All help and advice is appreciated.

Im filling in the list of unsecured creditors, however some of my debt i have letters from so many different collection agencies and some of it has even been sold to other companies what do i put under name of creditor and address?

howdidthishappen

also what do i put as my average monthly take-home? over the last 6 months it has ranged between £382 to £453

howdidthishappen

on my out goings page of the form this is what i have, does it look ok?
rent £600
housekeeping £380
gas,elec £80
water £23
telephone £51
travel £60
clothing £30
other essential payments £408
split into childcare £276
ccj £25
house ins £20
hair cuts £20
car ins £52
Car tax £15

deedee_3

howdidthishappen wrote: »

on my out goings page of the form this is what i have, does it look ok?
rent £600
housekeeping £380 How many is this for?
gas,elec £80
water £23
telephone £51
travel £60 Is it really this low?
clothing £30
other essential payments £408
split into childcare £276
ccj £25 Don't include this as it will fall into your bankruptcy
house ins £20
hair cuts £20
car ins £52
Car tax £15

mot
holiday
prescriptions
dentist
opticians

Hope that gives you some ideas.

With the wages I think what you do is add them together and divide by 6 to get an average. But one of the experts will be along soon to give you some goo advice.

howdidthishappen

deedee thanks for your reply
housekeeping is for 2 adults and a 1 year old and petrol costs is so low cause we have really cut down on travel as we cant afford to spend more a month

howdidthishappen

sorry i have another question i have worked out my average monthly take home as £411.59 and our monthly benefits as £459.51 (housing benefit, tax credits + child benefit) my husbands acctuall takehome is £821.25
we have outgoings of £1632
even if i put my husbands entire income on the form there is still a deficit

CG77

Hi hdth,

Maybe I'm being dim or missing something but I make your household income including benefits £1692.35, which if your outgoings are £1632 leaves you a surplus of £60.35.

Sorry if i'm being dim (it won't be the first time)!!!

C. x

Dorothy56

Hi

I can see what you mean about the forms! I have had to fill in zillions of forms all my life - yet find these ones ambiguous. It would be great if the notes to help really did, I am stumped on quite a few of mine.

I am going to phone the Insolvency helpline with a list of questions and do whatever they say....I am sure they must get lots of calls like it.

Only one day to go until your hearing. I really hope it all goes well for you and is the start of a much happier future.

Dorothy

howdidthishappen

cg77 thanks for that you are right, yesterday was a long day and i was tired hehe, prob not a good idea to be filling the forms in at 10 o clock on a sunday night

so now thats all clear and it shows we have a surplus of £60 should i put my husbands whole income on the forms?

howdidthishappen

dorothy

im so glad im not the only one that thinks the guidence notes are a pile of rubbish

i may try calling someone this afternoon when my daughter has her nap, i know its a bit lazy but when she is hanging off my leg its a bit easier to get advice on here than on the phone

lxpeanut

howdidthishappen wrote: »

Im filling in the list of unsecured creditors, however some of my debt i have letters from so many different collection agencies and some of it has even been sold to other companies what do i put under name of creditor and address?

From what I gathered you put the name of who you borowed the money from and then in the adress you put who currently ownes the debt.

I know what you mean about the forms though I have really struggled to work our what was meant by some sections. Good luck and I hope it all goes well for you.