Aaaaarrgghh

ogglydoggly

I have just phoned for a court date and the man said tommorow!! I don't know if we are ready but he said if not it could take months!!

OK so:

I have filled out a form on insolvency website. Do I just take this form (3 copies) and £495 to the court? Do I need anything else?

creditpunch

Yes I think thats it for now.

Do you need your SOA reviewed? do so now.
If your not working or your income is low I expect you have no cause to worry. if there is a suggestion of an IPA/IPO put up your SOA for review. If you are mentally ready then you can get through it all fine.

Don't worry imagine this in under 28 hours you could be free of your debt.

Good luck
CP

completemess

Wow that's quick. Good luck, better to get it out of the way if you are in a position to!!!

DON79

Hi Ogglydoggly, this could be a real good idea, think of it like creditpunch says - you will be debt free and I think its best to do it sooner rather than later, just post your soa and ask all the questions you can think of. You will be absolutely fine!

ogglydoggly

Thanks Guys

Right OH SOA

2 Adults, 2 Children 1 Dog

Monthly Income £1850
Partners Income £169
Benefits 0

Rent £650
Food £400
Gas £45
Elec £45
Water £38
Telephone £50
Petrol £200 (100 mile round trip to work 5 days a week)
Clothing £100
Council tax £108
Car Ins £30
Car Tax £20
Car Maintenance £20
Medical £10
Haircuts £20
TV Licence £12
Holidays £40

Total £1788


My SOA

Monthly Income £1300 (partners Contribution) Is this right place?
Partner Income £1850 Should this be 0?
Benefits £169 (£125 child Benefit)

Rent £650
Food £400
Gas £45
Elec £45
Water £38
Telephone £50
Petrol 0
Clothing 0
Council Tax £108
Medical £10
Haircuts £10
TV Licence £12
Child related expenses £10
Holidays 0

Total 1378

DON79

Hi Oggly, what you need to do in order to work out who contributes what on each soa is to add up all the household expenditures and then split that 50/50. then on each of the soa's - put down the 50% split as partners contribution, if that makes sense.

Then put the child benefit down on the soa of the one to whom it gets paid. child benefit is not included for calculating any IPA anyway.

then after the household bit has been done, put down all your personal expenses on your own soa's.


I would increase medical to £20 to cover any dentist/optician/prescriptions/

I would also increase holiday to £80 as Welfare rights told me I could have upto £80 for a holiday for a family of four.

Haircuts are £10 per adult and £5 per child.

Child expenses are £5 per week per child so you could make this £40.

Do you or your OH need to pay for any dry-cleaning for work clothes?

Hope this helps a little, can't think of anything else at the moment.

ogglydoggly

OK so household adds up to £1348 (not including clothing, haircuts, holiday etc) So

OH Monthly income 1850
Partner Monthly Income 674 (half 1348)
Benefits 0

My Monthly income 674
Partner Monthly Income 1850
Benefits 169

Sorry for seeming so dense but I just can,t seem to get my head around this. Appointment is booked for 9.30am tommorow

fatou256

just to wish you good luck oggly for tomorow and you will see it is not as scary as it may appear ! it is mainly the decision which i think is the hardest to take !

DON79

what to do is to do your soa each at www.makesenseofcards.co.uk and then I would start it in a new thread so that as many people as possible can see it. I know that some have found it really difficult to get their head round the soa's when both are going BR.

But what you have said above is right - 50% of household expenses is what counts as your partners contribution on your soa and vice versa on your OH's.

Don't worry, we will help you get your head around it before tomorrow!

k2nga

Well done and good luck with it. It will be better to get it out the way than wait for months and you never know within months you may even get ED.

Let us know how you get on.....

neverindebtagain

Good luck:beer: