Someone please check SOA

jim_toon

Hi, I'm going bankrupt in the next week and would be very grateful if you guys can answer a couple of questions and check my SOA.

I am a single disabled father of 2 kids and all my income is benefits, am I right in thinking they cant force me to pay any cash back?

Because of my disability I am hoping i will be able to keep my car which is valued at around £2000, whats the chances of keeping my car?
I'd baisically be house bound without it.

Income

Income support - £546.80
DLA - £384.80
Child tax credits - £381.73
Child benefit - £132.80

TOTAL = £1446.13

Outings

Mortgage/Rent

---

NIL
Housekeeping

---

400
Gas/Elec

---

100
Water

---

33
Telephone

---

60
Travel essential Journeys inc mot and servicing

---

200
Clothing

---

80
Maintnance

---

NIL
Council Tax

---

NIL
Other essential payments

---

564-80

In other essential payments I have the following

DLA Mobility

---

196.40
DLA Care

---

---

188.40
Home Insurance

---

30
TV Licence

---

10
Pet food

---

20
Pet bills

---

10
Kids Haircuts

---

- 20
Holiday

---

50

OUTGOINGS TOTAL

---

£1437.80


Thanks

dalip

If your income is soley made up of benefits then no IPA will be sought.

On the car if you are not working you will have to prove you need the car and fight to keep it. Perhaps have a letter ready to send off with all the other paperwork the OR requires, stating reasons why you feel you should be allowed to keep the car might help.Dx

jim_toon

Would recieveing Motability not prove I need the car or should I get a doctors letter.
What do you mean by "all the other paperwork the OR requires", what other paperwork do they need?

Merry_Gentry

Is it a motability vehicle? If so, then it's not 'yours' as such and they won't touch it. However, if the car belongs to you, you will need to prove that it is essential and not just convenient. They may decide to take the car and give you a small sum of money to purchase an older, cheaper one - basically it's to release as many funds as possible to pay your creditors.

The OR will send you a pack with request for information - bank statements, cards, etc

dalip

Thanks merry been out helping pregnant daughter move into her own place:j

jim_toon

The car is mine so i guess its time to write a pleading letter.
Hope i get to keep it as it would cost me an absolute fortune for taxis.
Does the rest of it seem OK.

Thanks again

Merry_Gentry

The rest of it doesn't "really matter" as you are on benefits so no IPA will be imposed.

jim_toon

Ok, thanks for your replies.
Does this mean when i get the phone call from the OR it should be pretty strait forward apart from the car?
All my debts are personal loans, overdraft and cards. All unsecured with a total of about £15000

Yet again thanks.:beer:

Merry_Gentry

Yes it should be straightforward unless there are any major discrepancies, etc. And you're more than welcome - we all know how stressful this experience can be.