bluebird's diary

bluebird36

Hi guys,

my BR day is nearly here, 2 more days to go... Sorry I have not been in touch the last few days, but had too much on.

I finally finished my BR forms today. Handwritten, not perfect, but was worried that the online system may fail me. Am still missing the address of my tax office... just could not bring it over me to call my personel office and ask.Silly, I know...

So Tuesday willbe the big day and I am feeling slightly nervous, but also strangely happy... Maybe not happy, but relieved that I can begin on a new road, that I will get another chance. Even though the OR appointment will be almost more important as I will then find out if I can keep the car, if I will get IPA, BRU or whatever.

So I thought you may want to take a look at my final SOA. I have no idea if these amounts will be acceptable to my OR, but it reflects the reality. Ignore the listed debt, there is a lot more but I accidently wiped it and was too lazy to fill it all in again.

Anyway, at the moment I feel chilled, had great day with kids and friends, isn't it strange how a little sunshine can change everything?
Hope you are all ok!:cool:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details[/b]
Monthly income after tax................ 979
Partners monthly income after tax....... 0
Benefits................................ 623
Other income............................ 327
Total monthly income.................... 1929
Monthly Expense Details[/b]
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 600
Management charge (leasehold property).. 0
Council tax............................. 83
Electricity............................. 53
Gas..................................... 50
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 90
Petrol/diesel........................... 80
Road tax................................ 12
Car Insurance........................... 46
Car maintenance (including MOT)......... 25
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 140
Other child related expenses............ 115
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 15
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
dry cleaning............................ 10
Total monthly expenses.................. 1924

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................9100......248.......0
cc.............................1350......35........0
cc ............................3000......65........0
Total unsecured debts..........13450.....348......

Monthly Budget Summary
Total monthly income.................... 1,929
Expenses (including HP & secured debts). 1,924
Available for debt repayments........... 5
Monthly UNsecured debt repayments....... 348
Amount short for making debt repayments. -343
Personal Balance Sheet Summary
Total assets (things you own)........... 500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -13,450
Net Assets.............................. -12,950
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Waspeze

Do you not have any contents insurance?

mysterio_2

bluebird36 wrote: »

Hi guys,

my BR day is nearly here, 2 more days to go... Sorry I have not been in touch the last few days, but had too much on.

I finally finished my BR forms today. Handwritten, not perfect, but was worried that the online system may fail me. Am still missing the address of my tax office... just could not bring it over me to call my personel office and ask.Silly, I know...

So Tuesday willbe the big day and I am feeling slightly nervous, but also strangely happy... Maybe not happy, but relieved that I can begin on a new road, that I will get another chance. Even though the OR appointment will be almost more important as I will then find out if I can keep the car, if I will get IPA, BRU or whatever.

So I thought you may want to take a look at my final SOA. I have no idea if these amounts will be acceptable to my OR, but it reflects the reality. Ignore the listed debt, there is a lot more but I accidently wiped it and was too lazy to fill it all in again.

Anyway, at the moment I feel chilled, had great day with kids and friends, isn't it strange how a little sunshine can change everything?
Hope you are all ok!:cool:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details[/b]
Monthly income after tax................ 979
Partners monthly income after tax....... 0
Benefits................................ 623
Other income............................ 327
Total monthly income.................... 1929
Monthly Expense Details[/b]
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 600
Management charge (leasehold property).. 0
Council tax............................. 83
Electricity............................. 53
Gas..................................... 50
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 90 this could be increased...afterall you've 2 children as well as you
Petrol/diesel........................... 80
Road tax................................ 12
Car Insurance........................... 46
Car maintenance (including MOT)......... 25
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 140
Other child related expenses............ 115 Whats this for?
Medical (prescriptions, dentist etc).... 5 You could increase this
Pet insurance/vet bills................. 15 up this to £20
Buildings insurance..................... 0
Contents insurance...................... 0 NO insurance at all? you need contents insurance with accidental damage cover at least
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 usually NOT allowed but leave it & see
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
dry cleaning............................ 10
Total monthly expenses.................. 1924

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................9100......248.......0
cc.............................1350......35........0
cc ............................3000......65........0
Total unsecured debts..........13450.....348......

Monthly Budget Summary
Total monthly income.................... 1,929
Expenses (including HP & secured debts). 1,924
Available for debt repayments........... 5
Monthly UNsecured debt repayments....... 348
Amount short for making debt repayments. -343
Personal Balance Sheet Summary
Total assets (things you own)........... 500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -13,450
Net Assets.............................. -12,950
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Just a few quick thoughts

bluebird36

thanks for looking oer SOA.

Tried to get contents cover but my rental property is in an area prone to flooding, so they wanted to get back to me and still haven't...-ad tomorrow at 09.00 am I have to hand in the forms.

Just keep your fingers crossed for me!:rolleyes:

DON79

All the best for tomorrow Bluebird, SOA looks good! Well done.

So_Sad_Angel

Good Luck Bluebird.....let us know how it goes. Take something to read & change for a coffee/tea . Also remember to take deep breaths if the nerves kick in.

Will be with you in spirit Hun.

Angiexx

bluebird36

:jHello guys,

I did it!

I arrived at court at 09.00 hrs. The appointment was booked. The court security staff directed me to an 'Enquieries Room'. In it was a huge office, behind some plexiglass windows. A young girl was in front of me and just paid her money when I entered.

Then a very nice lady, dressed in jeans, took me to a small room. She went through my forms, made me sign them, took the money and I swore on the bible that everything in the forms was true.
The lady then told me to go to town, have a coffee, buy a paper and wait for her to call me on mobile phone. She said she would call any time before 14.00 hrs to let me know if the judge would want to see me.
So I had a nice walk about in the sunshine, browsed the bookstores and worried a bit about not being accepted for BR.

There was no need to worry, as the nice lady called at around 12.00 hrs, gave me my BR number and thee phone number of OR. I called him, but my paperwork had not arrived, he asked me to wait till about 16.00 hrs.

I called again at 16.00 hrs and he said he would write to CO-OP tomorrow as he has no interest in my bank account. He will also call me tomorrow with a date for phone interview, he thought probably around the 7th of May.

I drove home and went back to work.
Tonight I began to answer my phone again and have informed 2 creditors about BR. Both call centre agents were friendly and polite.
I feel relieved, not sad at all! I am glad stopped denying that I had a debt problem and that BR is giving me another chance to sort my life out.
Now all I need to do is fight for my car, as I really need it, due to my son's difficulties. ..

Thank you for your good wishes, keep your fingers crossed that the OR finds my SOA agreeable. Thanks Don for your comment about it, makes me feel less nervous!
Thanks SSA, I think you being there in spirit helped!:A

What would I have done without all of you? So glad I found this forum!!!!

startagain_2

Congratulations and Well Done!

SA

So_Sad_Angel

I`m really glad that the day is over for you Bluebird. Time to relax a little now.

Good luck on the car issue & the 7th May will soon come & go.

Take care Hun

Angiexx

mr_&_mrs_2

Awww good job done I think......We have a few weeks yet....Im scared stiff....

Im just glad we left the house....I dont think I could cope with all this if we were still living there...