final SOA for my br forms. any advice welcome

lisamummytoarchieplusbump

Monthly Income Details[/b]
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 808
Other income............................ 0
Total monthly income.................... 808
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 25
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 350
Clothing................................ 60
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 40
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 792[/

based on 1 adult ,1 toddler ,1 baby, 2 jack russells

OhDear

Hi Lisa,

I'm not good at SOAs, but my only comment would be to put mobile in with land-line, as;

Telephone £ 50

unless someone has advised differently.:D

deedee_3

lisamummytoarchieplusbump wrote: »

Monthly Income Details[/b]
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 808
Other income............................ 0
Total monthly income.................... 808
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 25
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 350
Clothing................................ 60
Petrol/diesel........................... 40
Road tax................................ 0 Do you not pay this?
Car Insurance........................... 40
Car maintenance (including MOT)......... 0 ditto?
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 792[/

based on 1 adult ,1 toddler ,1 baby, 2 jack russells

Otherwise I think it looks fine.

lisamummytoarchieplusbump

thank ohdear i have on my br forms as you only get 1 box. just seeing if the amounts are realistic. i know i wont get an ipo so it doesnt matter to much just trying to show i can survive without this bleaming debt hanging around me

lisamummytoarchieplusbump

no my dad pays tax and mot as im the only one that can take my nan out and about as shes not well enough to go out alone. i just pay my insurance and petrol. im hoping the OR lets me keep the car for this reason as dial a cab dont escort you around asda OR and to hospital appointments

lisamummytoarchieplusbump

sorry post copied twice

deedee_3

Ah! I see. Have you put a letter in with the forms to say why the car is not a luxury? It might be worth it for the OR. There is a link in the Bankruptcy Help sticky about cars that might be worth a read.

lisamummytoarchieplusbump

ive put in the section about dependants that my nan is also a dependant. but im going to add abit at the end just to say the car is needed for my nan. my dad bought it but i cant prove it as he has no reciepts, but its in my name on the log book so just going to expkain to the OR about it. its only worth between £300-£400 so its not like im driving a brand new jag it is just a run around

OhDear

Remember, being the "registered keeper" (that's the logbook DVLA bit), does not make you the owner. Your dad is the owner. It has to be in your name for the insurance and the fact that you keep it.

I don't think it will make any difference, but you could put

3.7 - No (ownership of vehicle)

3.9 - Yes (use of vehicle you do not own)

The only problem with that could be with your insurance expenditure?

Either way shouldn't be a problem.

3.7 - Yes

You just argue (if you have to on OR interview) that it's not really your car etc etc. but as it's in your name you thought you had to put it down.

Generally, although we all want to do the forms "right", it doesn't really matter if you make a mistake. You might have to explain it later, but you might not.

lisamummytoarchieplusbump

i was going to just say its mine as its to complicated trying to explain my dad bought it for me without any proof. and my insurance says im the owner of the car so thought the OR could check my insurance. was just gona explain why my dad bought me it and hope the OR classes it as i need it not want it