please help! cant cope anymore!

philnicandamy

In regards to the SOA i agree with TF & peacfuzzy:p

Shh!......

deedee_3

Monthly income after tax 386.24 I think you ought to sort this out.

Benefits 1628 - specify these as some are not included in IPA calculations
Other income

Total monthly income 2032.24


Expenses

Amount(£)

0
Rent (housing benefit £517.83) 557.83

Council tax tax benefit £104 104
Electricity 79.00
Gas 42.00
Water Rates 28.00
Telephone (land line) 28.00
Mobile phone 35.00
TV Licence 12.00
Satellite/Cable TV am putting nil as not allowed but pay £58
Groceries etc. 350.00 - for how many people?
Clothing 30- ditto £60
Petrol/diesel mobility pay for car £30
diabled taxi hospital, doc etc 12.00
Medical (prescriptions, dentists, opticians etc.)

Contents Insurance 30.00
Life Assurance 37.00
Other Insurance
Haircuts 20
Holiday 30.00
Emergency Fund
Sons college meals £65
Activities £20

I make that £833
Which now makes 918

You may also be able to add money for DS's school dinners and activities. But I will have to check with one of the others on that.



creditors


rent 365.40 - this is important
halifax 8557.42
lloyds credit card 5663.45
marks and spencers 400.00
inland revenue 16,000
catalogue 221.00


Right we have now added those which makes £918.

I really think you ought to sort that income out because by right it is not yours and I am guessing they will want you to pay back the over payment. Once that is done then all you will have is benefits to live on.

An IVA is not suitable for you, so don't even consider it.

I think you need to sort out the wage that is not meant to be paid to first, see what comes of that, then look at going bankrupt.

lisamummytoarchieplusbump

hi homealone your SOA looks alittle confusing or is it just me???
try doing it on this link
http://www.makesenseofcards.com/soacalc.html
dont add HB CTB just put what you pay rent and tax wise ie if you are on full beneifts then CT will be nil. so basicly just put your benefits you recive in your bank.
lisa

homealone_2

deedee wrote: »

Monthly income after tax 386.24 I think you ought to sort this out.

Benefits 1628 - specify these as some are not included in IPA calculations
Other income

Total monthly income 2032.24


Expenses

Amount(£)

0
Rent (housing benefit £517.83) 557.83

Council tax tax benefit £104 104
Electricity 79.00
Gas 42.00
Water Rates 28.00
Telephone (land line) 28.00
Mobile phone 35.00
TV Licence 12.00
Satellite/Cable TV am putting nil as not allowed but pay £58
Groceries etc. 350.00 - for how many people?
Clothing 30- ditto £60
Petrol/diesel mobility pay for car £30
diabled taxi hospital, doc etc 12.00
Medical (prescriptions, dentists, opticians etc.)

Contents Insurance 30.00
Life Assurance 37.00
Other Insurance
Haircuts 20
Holiday 30.00
Emergency Fund
Sons college meals £65
Activities £20

I make that £833
Which now makes 918

You may also be able to add money for DS's school dinners and activities. But I will have to check with one of the others on that.



creditors


rent 365.40 - this is important
halifax 8557.42
lloyds credit card 5663.45
marks and spencers 400.00
inland revenue 16,000
catalogue 221.00


Right we have now added those which makes £918.

I really think you ought to sort that income out because by right it is not yours and I am guessing they will want you to pay back the over payment. Once that is done then all you will have is benefits to live on.

An IVA is not suitable for you, so don't even consider it.

I think you need to sort out the wage that is not meant to be paid to first, see what comes of that, then look at going bankrupt.

i have contacted my ex-employer and they said they dont know how much longer it will go on. apparently as long as i still fufill the criteria on the form that their insurance company sends me annually i will qualify to receive it until such time they say different. do you all think that i should call back the first person i spoke to at clear start who was nice and tell him the couple of extras you have suggested adding on and see with his surplus of £509 that they might bring those amounts a bit and tell him i want to go bankrupt and see what he says. what exactly does the solicitor ask you when he rings you and what information do you have to supply when proving your income and your expenditure, someone mentioned 3 months of bank statements?

lisamummytoarchieplusbump

RAS wrote: »

Monthly income after tax 386.24

Benefits 1628 - specify these as some are not included in IPA calculations
Other income

Total monthly income 2032.24


Expenses

Amount(£)

0
Rent (housing benefit £517.83) 557.83 basicly £40 or is this total before HB?

Council tax tax benefit £104 104 so this is basicly £0
Electricity 79.00
Gas 42.00 £50
Water Rates 28.00
Telephone (land line) 28.00 add this and mobile together £60
Mobile phone 35.00
TV Licence 12.00
Satellite/Cable TV am putting nil as not allowed but pay £58
Groceries etc. 350.00 - for how many people?
Clothing 30- ditto up to £50
Petrol/diesel mobility pay for car £40
diabled taxi hospital, doc etc 12.00
Medical (prescriptions, dentists, opticians etc.)

Contents Insurance 30.00
Life Assurance 37.00
Other Insurance
Haircuts 20
Holiday 30.00 £40
Emergency Fund

creditors


rent 365.40 - this is important
halifax 8557.42
lloyds credit card 5663.45
marks and spencers 400.00
inland revenue 16,000
catalogue 221.00


so i make that £848

lisamummytoarchieplusbump

you said you dont know how long you will get this other income for so if it does change while you are doing a IPA that will drop to

what amounts do you get benefit and what is yours and your sons

im so confused on your SOA

brain is so not with it think i need some lunch then look again after

homealone_2

lisa, here is a list of all the benefits i receive, if you need amounts then let me know but they are pasted further up the thread. have made one decision today and that is to ring disablility department direct and find out what is and isnt counted. will pop back when i know

disability living allowance
incapacity allowance
child tax credit
housing benefit
child benefit

homealone_2

i was just looking for number to ring to disability people to querie what is classed as income and saw that from 27 october a new benefit will replace incapacity which will be called employment and support allowance. after reading through some of the literature you are tested not on what you cant do any longer but on what you can do! and will give you support to enable you to take on work in whatever format you can.
i did think the system that was in place was a little strange in that you applied for incapacity after statuatory sick pay ended and if you qualified then that was it, you got your money and there were no follow up forms or calls or visits or anything. which is why i suppose some people have been on the benefit for 28 years but are fit as a fiddle (documentary on ch 4 tuesday). so now i may not even qualify for this either when time comes or will only qualify for part of what i used to get????

RAS

homealone wrote: »

disability living allowance for me
disability living allowance for son - this certainly should not be included in your income.
incapacity allowance
child tax credit £390 a month
housing benefit
child benefit £81 per month

How much for each of the other benefits?

homealone_2

RAS wrote: »

How much for each of the other benefits?

disability living allowance for me £268
disability living allowance for son - this certainly should not be included in your income.
incapacity allowance £404
child tax credit £390 a month
housing benefit £507
child benefit £81 per month


have filled in missing amounts for you RAS have also just rung DLA for advice and they said

"no matter what my DLA should not be counted as income. even if i were to win the lottery tomorrow i would still be disabled and would still receive benefit, it is to be used in addition to your income to help with every day needs that arise due to your disability"

this amount makes all the difference in their figures as to whether they recommended an IVA or bankruptcy. but i seem to remember them saying that they did count it as income no matter what??? has anyone else had any experience regarding DLA being used as income?????