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robbond55

This is my Statement of affairs - what do you think?
I would appreciate some feedback on it please.

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1627
Other income............................ 0
Total monthly income.................... 1627
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 525
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 50
Oil..................................... 0
Water rates............................. 29
Telephone (land line)................... 20
Mobile phone............................ 15
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 8
Groceries etc. ......................... 400
Clothing................................ 60
Petrol/diesel........................... 150
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 92
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 30
Emergency fund.......................... 0
Total monthly expenses.................. 1436

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Northern Rock..................9294......5.........0
DLC............................1498......5.........0
Egg............................6264......5.........0
Argos..........................380.......15........0
Leicester Council.............566.......0.........0
Total unsecured debts..........18002.....30........-

Monthly Budget Summary
Total monthly income.................... 1,627
Expenses (including HP & secured debts). 1,436
Available for debt repayments........... 191
Monthly UNsecured debt repayments....... 30
Amount left after debt repayments....... 161
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -18,002
Net Assets.............................. -18,002
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I have a car under the motability scheme which is paid for by my high rate mobility (I do not receive it - it is paid directly to them) and out of the other benefits they are split down like this:
Child Tax Credit - £212
Housing benefit - £460
Incapacity benefit - £388
Income Support - £86
DLA Mid Rate Care - £188
Carers Allowance - £212
Child benefit - £80

The Child Benefit and the CHild tax credit and carers allowance is all apid to my wife who is my full time carer and this is the complete household budget.

I would really appreciate some feedback on this please.

MITZIW

i have recieved a claim form for ace catalogue, i know i have to fill it in and offer a small monthly payment but when i fill in the ingoings and outgoings im not sure what to put as im a stay at home mum so do i put my partners wages and outgoings? it says do not include any payments made by other members of the household out of their own income. but if i put just my own it will only be child benefit and tax credit (£172 a month). it says if i dont fill it in i could get a ccj and im not sure when we will be going br as saving fees. thanks

MITZIW

please,need to fill in form today.

CCCS_Sue

robbond55 wrote: »

This is my Statement of affairs - what do you think?
I would appreciate some feedback on it please.

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1627
Other income............................ 0
Total monthly income.................... 1627
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 525
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 50
Oil..................................... 0
Water rates............................. 29
Telephone (land line)................... 20
Mobile phone............................ 15
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 8
Groceries etc. ......................... 400
Clothing................................ 60
Petrol/diesel........................... 150
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 92
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 30
Emergency fund.......................... 0
Total monthly expenses.................. 1436

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Northern Rock..................9294......5.........0
DLC............................1498......5.........0
Egg............................6264......5.........0
Argos..........................380.......15........0
Leicester Council.............566.......0.........0
Total unsecured debts..........18002.....30........-

Monthly Budget Summary
Total monthly income.................... 1,627
Expenses (including HP & secured debts). 1,436
Available for debt repayments........... 191
Monthly UNsecured debt repayments....... 30
Amount left after debt repayments....... 161
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -18,002
Net Assets.............................. -18,002
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I have a car under the motability scheme which is paid for by my high rate mobility (I do not receive it - it is paid directly to them) and out of the other benefits they are split down like this:
Child Tax Credit - £212
Housing benefit - £460
Incapacity benefit - £388
Income Support - £86
DLA Mid Rate Care - £188
Carers Allowance - £212
Child benefit - £80

The Child Benefit and the CHild tax credit and carers allowance is all apid to my wife who is my full time carer and this is the complete household budget.

I would really appreciate some feedback on this please.

Hi robbond55 and thank you for your message

It is difficult to give you detailed advice on your options via the forum, and I would recommend that you call us for an appointment to speak to one of our debt counsellors about your situation.
The counsellor will be able to discuss all your options based on your SOA.The free helpline number is 0800 138 1111. Lines are open 08.00 until 20.00 Monday to Friday.
Alternatively, you can put all these details into our online Debt Remedy facility. This will give you tailored advice for your situation.www.cccs.co.uk/ref/drcu

Regards
Sue

CCCS_Sue

MITZIW wrote: »

i have recieved a claim form for ace catalogue, i know i have to fill it in and offer a small monthly payment but when i fill in the ingoings and outgoings im not sure what to put as im a stay at home mum so do i put my partners wages and outgoings? it says do not include any payments made by other members of the household out of their own income. but if i put just my own it will only be child benefit and tax credit (£172 a month). it says if i dont fill it in i could get a ccj and im not sure when we will be going br as saving fees. thanks

Hi Mitziw and thank you for your message

You just need to put in your income and expenditure. Any bills paid by your partner, you can just put in a comment to say he pays.
If you pay a share, then put in the amount you pay and put a comment to say that this is your share.

Have you actually received a county court claim form, (blue and white form with a county court stamp on it) or are they asking for a budget from you, and threatening court action?

If it is only the budget they require and you would like help filling it in , you can call for an appointment on 0800 138 1111 to speak to one of our counsellors.They will also advise on options available to deal with your situation.

Regards
Sue

MITZIW

thanks sue, its a blue and white court form and says to fill in a monthly payment (i was thinking £10) just want to keep them off my back until we go br.

CCCS_Sue

MITZIW wrote: »

thanks sue, its a blue and white court form and says to fill in a monthly payment (i was thinking £10) just want to keep them off my back until we go br.

If there is no surplus left in your budget after paying all your share of the priorities, then you could offer £1 as a token payment. You cannot give them money you do not have, as this could mean you could fall behind with other priority bills.
Again, if you require further assistance, you can call our helpline to speak to a counsellor.

Regards
Sue

MITZIW

right thanks, im just worried if its too low they wont accept it.

CCCS_Sue

MITZIW wrote: »

right thanks, im just worried if its too low they wont accept it.

The Judge will decide whether to accept it based on your circumstances and your budget. If you have no excessive spending in your budget and there is nothing left after paying your bills, then he may consider the £1 token payment.

MITZIW

ok thankyou