SOA - court tomorrow!!!!!!

Ole20_2

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

Rylynn

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?

tigerfeet2006

To start with you don't put your debts down. Let me have a quick look and I will get back to you.

Rylynn

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?

tigerfeet2006

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?

Rylynn

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!

Ole20_2

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

thanks rylynn..will repost very shortly

thanks

tigerfeet2006

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

Rylynn

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

Ole20_2

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....