worried about SOA

LilyBart

A longshot, and possibly one you either might not want to pursue or have already researched, but does the British Legion have any housing stock that they rent to ex-servicemen? I don't mean full chelsea pensioner regalia - just fair rent social housing.

It does all sound very grim but bankruptcy will at least reduce some financial pressure and stress.

Holes_in_my_pocket

Legion does having housing stock 16 housing in salisbury but they are differcult to get long waiting list and we are on it .. Great properties big and far better then the council but dead mans shoes

Holes_in_my_pocket

oh Missed maintenance of list £145

LilyBart

Good. That makes a significant difference. Is it through the CSA, a court ruling or just an informal arrangement? The more formal the arrangement, the easier it is to persuade the OR that it's a necessity.

Holes_in_my_pocket

Not through CSA but agreenet through court on divorce

LilyBart

Fine. Add it in to the mix, reduce the figure for holidays to £30 (you can argue that the figure reflects holidays for the girls too), and put the cost of travelling to see them under "other child related expenses". You also need to put a figure for opticians. This has disappeared since your original SOA. Don't forget that all figures need to be in whole £s. Round up/down accordingly.
I'm bound to have missed something but others will be around to check and comment.

LilyBart

You should put something about your housing situation on your statement too - I mean the one that is about your reasons for petitioning for bankruptcy. It can't be easy trying to turn things around while you're sleeping on a sofa and caring for an elderly parent.

Holes_in_my_pocket

amended SOA

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 279
Partners monthly income after tax....... 0
Benefits................................ 893
Other income............................ 0
Total monthly income.................... 1172
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 30
Management charge (leasehold property).. 0
Council tax............................. 11
Electricity............................. 50
Gas..................................... 30
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 60
Mobile phone............................ 20
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 325
Clothing................................ 60
Petrol/diesel........................... 60
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60
Childcare/nursery....................... 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 30
Emergency fund.......................... 20
Child Maintenace........................ 145
Total monthly expenses.................. 1051

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 15
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 15

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Lloyda.........................9300......0.........0
abbey..........................5300......4.........0
M&S............................3000......1.........0
Yes Car........................6000......0.........0
Capital One....................1000......1.........0
Tesco..........................3000......1.........0
mastercard.....................3000......1.........0
barclaycard....................3000......1.........0
Total unsecured debts..........33600.....9.........-

Monthly Budget Summary
Total monthly income.................... 1,172
Expenses (including HP & secured debts). 1,051
Available for debt repayments........... 121
Monthly UNsecured debt repayments....... 9
Amount left after debt repayments....... 112
Personal Balance Sheet Summary
Total assets (things you own)........... 15
Total HP & Secured debt................. -0
Total Unsecured debt.................... -33,600
Net Assets.............................. -33,585
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

LilyBart

Please remind us which benefits you receive. I don't know anything about this but others will be able to advise on which may be exempted from any IPA calculations.

Holes_in_my_pocket

I get a War pension Injury during Falklands
Incapacity with age related payment
and Post office pension