help please

skinty_3

Hi all I have booked my hearing .16/07/09 and I just need to ask a few questions to help me fill in the forms. I live in rented house with my wife and 2 children aged 9 and 7 .the car is in my wifes name but I have the use of it for work..i work 12 hour shifts nights and days including every other weekend.although its only 3 miles away if I used busses I would end up travelling 2 hours there and back some days. 1 .will they allow me to continue to pay £59 in to my company pension no avcs. .and would they take any interest in it . 2 .will they allow me to continue to pay my union fee’s 11 .do I put it down on my soa has below 1290 OR put it down has 1360 and then add them to my soa. 3.my wife earns less than half my wage 540.do you think it is fair to add 50 percent of her wage and 50 percent of the tax credits110 .has I have done below. 4 .the grocery budget includes 56 pounds for dinner money of 1.70 per day times 2 times 50 divided by 40 weeks .or should I list it separetly. Please take a look at my soa .i would welcome any comments .and I thank you for your help in advance.ps I have not included child benefit.

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1290
Partners monthly income after tax....... 270
Benefits................................ 54
Other income............................ 0
Total monthly income.................... 1614

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 269
Management charge (leasehold property).. 0
Council tax............................. 66
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 34
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 556
Clothing................................ 100
Petrol/diesel........................... 60
Road tax................................ 12
Car Insurance........................... 0
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 50
Childcare/nursery....................... 50
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 16
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1555


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
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,614
Expenses (including HP & secured debts). 1,555
Available for debt repayments........... 59
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 59

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

tigerfeet2006

skinty wrote: »

Hi all I have booked my hearing .16/07/09 and I just need to ask a few questions to help me fill in the forms. I live in rented house with my wife and 2 children aged 9 and 7 .the car is in my wifes name but I have the use of it for work..i work 12 hour shifts nights and days including every other weekend.although its only 3 miles away if I used busses I would end up travelling 2 hours there and back some days. This will be fine. Put the outgoings on your SOA snd put the car under vehicles I have use of. 1 .will they allow me to continue to pay £59 in to my company pension no avcs. .and would they take any interest in it . As long as it is a government approved pension you should be fine. Check the Bankruptcy Help sticky there is info on pensions there 2 .will they allow me to continue to pay my union fee’s 11 .do I put it down on my soa has below 1290 OR put it down has 1360 and then add them to my soa Yes you can pay union fees, most put on their SOA. 3.my wife earns less than half my wage 540.do you think it is fair to add 50 percent of her wage and 50 percent of the tax credits110 .has I have done below.That is perfectly resonable 4 .the grocery budget includes 56 pounds for dinner money of 1.70 per day times 2 times 50 divided by 40 weeks .or should I list it separetly list it seperatly. Please take a look at my soa .i would welcome any comments .and I thank you for your help in advance.ps I have not included child benefit. Is CHB in your name or your wife's?

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1290
Partners monthly income after tax....... 270
Benefits................................ 54
Other income............................ 0
Total monthly income.................... 1614

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 269
Management charge (leasehold property).. 0
Council tax............................. 66
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 34
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 556 put dinner money under other child expenses.
Clothing................................ 100
Petrol/diesel........................... 60
Road tax................................ 12
Car Insurance........................... 0 why no insurance?
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 50 what's this?
Childcare/nursery....................... 50
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 16
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 0 £80
Emergency fund.......................... 0
Total monthly expenses.................. 1555


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
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,614
Expenses (including HP & secured debts). 1,555
Available for debt repayments........... 59
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 59

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

Some initial comments for you.

slowandsteady_2

Just hoping to bump this up a little further for you in case anyone else on who might have further advice for you