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SOA - court tomorrow!!!!!!

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please could you confirm for me from previous experience the below is ok?? cccs say its ojk but still nervous for tomorrow....completed all my forms now...

income average - 1500.00
rent received - 400.00 incoming 1900 per month


total debt circa 26k


soa
mortage 700
housekeeping 200
gas/elec 90
water 46
phone rental + mobile 60
travel to work and other essential journeys (60 mile round trip per day ) 380
clothes 50.00
maintenance 150
council tax 100
other 60
barclays loans 430
credit cards 200
littlewoods account 100.00

outgoing 2550
incoming 1900
deficit 650.00

i have been getitng by previously on credit and ad hoc bonuses and ninvolvement from ex partner etc...

any comments on the above would be much appreciated

regards
«134

Comments

  • Rylynn
    Rylynn Posts: 1,387 Forumite
    Your phone is a bit high, and you have a deficit? can you prove your trips to work cost that amount? you may need to prove it with petrol bills.

    What is OTHER, they will want to know?
    Some Days are Diamonds Some Days are Stones,
    Sometimes the hard times won't leave me
    BSC 162:beer:
    Banktupt 22 Oct 2008 at 10am!
  • To start with you don't put your debts down. Let me have a quick look and I will get back to you.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • Rylynn
    Rylynn Posts: 1,387 Forumite
    Okay you have a surplus from my reckoning, once you stop paying the debts you have added at the bottom.

    You have lumped you travel all as one, you need to break it down, ie car tax, car insurance, petrol, repairs, mot.

    No TV licence showing, no house contents showing.

    Need to know what this £60 is

    No medical/dental added either?
    Some Days are Diamonds Some Days are Stones,
    Sometimes the hard times won't leave me
    BSC 162:beer:
    Banktupt 22 Oct 2008 at 10am!
  • Ole20 wrote: »
    please could you confirm for me from previous experience the below is ok?? cccs say its ojk but still nervous for tomorrow....completed all my forms now...

    income average - 1500.00
    rent received - 400.00 what is this? incoming 1900 per month


    total debt circa 26k


    soa
    mortage 700
    housekeeping 200
    gas/elec 90
    water 46
    phone rental + mobile 60 This may be cut but leave it and see
    travel to work and other essential journeys (60 mile round trip per day ) 380 This is very high. You may have to prove this so start keeping reciepts.Is this by car?
    clothes 50.00
    maintenance 150 Is this child maintenance?
    council tax 100
    other 60 What is this?
    barclays loans 430
    credit cards 200
    littlewoods account 100.00

    outgoing 2550
    incoming 1900
    deficit 650.00

    i have been getitng by previously on credit and ad hoc bonuses and ninvolvement from ex partner etc...

    any comments on the above would be much appreciated

    regards

    Contents insurance, Car tax, maintenance and mot, medical, tv licence, professional body membership, hairdressing, pets?
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • Rylynn
    Rylynn Posts: 1,387 Forumite
    Think you need to re do this, take off the bottom bits you pay tocredit cards, littlewoods etc, you wont be paying those after BR.

    Then look at your list as you have lots of things missing, but need to say what that £60 is for.

    you can also add holiday at say £30 a month. Xmas and Birthday they tend to take off, as they do sky and PC broadband! laugh is they then ask you for an email address!
    Some Days are Diamonds Some Days are Stones,
    Sometimes the hard times won't leave me
    BSC 162:beer:
    Banktupt 22 Oct 2008 at 10am!
  • Ole20_2
    Ole20_2 Posts: 105 Forumite
    thank you for the quick reponses here goes...hope i cover it all??

    380 is fuel, car is company......i travel 60 miles per day to/from work, i can support this if necessary, other mileage is to college 2 nights a week and each weekend when i have my son plus other essential journeys

    400 received is my mother is living with me with her partner at present, so rent...

    150 is child maintenance...

    other is building contents and life insurwance on mortrgage

    tv licence 11 per month, sorry missed that

    i have healthcare with work? shud i stil put dentist on??

    thanks again, really appreciate the feedback....
  • Ole20_2
    Ole20_2 Posts: 105 Forumite
    thanks rylynn..will repost very shortly

    thanks
  • Ole use this SOA to make it easier and then format it for MSE and C&P it here. Don't worry about the debt bit at the bottom.

    http://www.makesenseofcards.com/soacalc.html
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • Rylynn
    Rylynn Posts: 1,387 Forumite
    I think I would put some medical down anyway.

    Dry Cleaning if you need suits etc for work?

    As right now you will most certainly get an IPA on those figures and you are only over by £21 according to my useless calculator, I am sure Tiger will also check your figures though.

    You need to list the contents as one
    and life insurance seperately it makes the ORs life much easier if they can see what is going where. Other they wont like much, so list them out.

    If you can prove you petrol no problem.

    RL
    Some Days are Diamonds Some Days are Stones,
    Sometimes the hard times won't leave me
    BSC 162:beer:
    Banktupt 22 Oct 2008 at 10am!
  • Ole20_2
    Ole20_2 Posts: 105 Forumite
    thank u again..think todnite may be a long night!! i took figures off my insolvency forms?? should i have a seperate sheet?? the outgoings section of my form had set headings that i followed?? should i do a more descriptive one as an addendum?? thank all..really appreciate this....
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