SOA - court tomorrow!!!!!!

Ole20_2

hi all, from first post, is this list more relevant?? ive used the box at the bottom to add things and other is just my life cover for mortgage..thanks in advance..double checked figures and amended marginally


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 ) 360
clothes 50.00
maintenance 150
council tax 100
other 15
dentist 15
tv licence 12
holiday 20
dry cleaning 20
building and contents 15.00
sky 50 (includes broadband)
entertainment 60
mortgag payment protection 35


comments much appreciated, ill be getting rid of sky, not bothered about that at all, so should i put it in? just that my contract isnt up for 3 moinths??

thanks

Ole20_2

in section 4 where it asks re: unsecured creditors..im guressing anything covered in essential outgoings doesnt need listing?? is that right?/

thakns

Ole20_2

and is this the same for secured creditors?? ive put my mortgage in my list of essential outgoings and want to keep paying as such..does this still need to be listed as a secured creditor in the creditors section?? thakns#

OhDear

I think if you owe money to anyone, it should go in there. Even if it's repeated in other sections. There's a lot a repeating on the forms. Do you owe for utils?

OhDear

Yes for secured too.

tigerfeet2006

Morning Ole. Give me a minute to look it over and I will get back to you. Have to fractious children at the moment but will do my best.

Ole20_2

thanks...i dont owe any extra than what my monthly paymeny is on utilks etc...where i fell behind is on my debts that werent seen as essential with regards to bankruptcy..do the utils info need to go in section 4? i had been told previosuly they didnt as the amounts were covered in my outgoings and they werent (hopefully) going to be part of my bankruptcy??eeek...thanks..leaving in 20 mins

Ole20_2

haha thank you tigerfeet also..and good morning

OhDear

If you're upto date with payments and you don't owe them any arrears, then they're not creditors.

Ole20_2

of course..think ive gone a bit numb to the whole thing