Change of Circumstances Pre-Bankruptcy

leftatthelights

Updated.


Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 960
Partners monthly income after tax....... 0
Benefits................................ 279
Other income............................ 0
Total monthly income.................... 1239
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 445
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 80
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 25
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 1222

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
Orange 1.......................103.......0.........0
Northern Rock..................18320.....0.........0
Lowell Portfolio...............2766......0.........0
NTL............................62........0.........0
Orange 2 ......................107.26....0.........0
United Utilities...............76.12.....0.........0
Tesco..........................38.83.....0.........0
Halifax PLC 3..................647.49....0.........0
Halifax PLC 2 .................4551.1....0.........0
Halifax PLC 1..................5616.16...0.........0
Virgin.........................253.......0.........0
Nationwide Visa................4377......0.........0
Total unsecured debts..........36917.96..0.........-

Monthly Budget Summary
Total monthly income.................... 1,239
Expenses (including HP & secured debts). 1,222
Available for debt repayments........... 17
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 17
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -36,917.96
Net Assets.............................. -36,917.96
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

leftatthelights

I/We do not have contents insurance and therefore I am not going to put it down because if they look into it they will obviously find a lie!!
There is an incredible small chance of robbery anyway due to living in an appartment block which requires security ro allow entry.

tigerfeet2006

I concur with FYP on your SoA. Also your groceries will be fine for 2 people.

Though if you are a lodger and are in a seperate room you should only be showing your expenses and not hers, also you won't need to put her contribution. But please make sure you talk to someone like National Debtline and see what they say.

fiveyearplan

Looks good to me.

TigerFeet - is the housekeeping an acceptable figure?

fiveyearplan

SNAP - thanks TF!

I wondered if saying he was a lodger would complicate things (and if they'd believe it!), and why he was paying all the bills. I think I'd leave it as is but LATL - you have to do what you feel comfortable with.

leftatthelights

I am considering saying that she is my partner purely to uncomplicate the matter????

I dont want to stuff this up at all!!!!

tigerfeet2006

leftatthelights wrote: »

I/We do not have contents insurance and therefore I am not going to put it down because if they look into it they will obviously find a lie!!
There is an incredible small chance of robbery anyway due to living in an appartment block which requires security ro allow entry.

It's not just for theft. If you have contents insurance with accidental damage and your freezer breaks down then you could claim for the food in the freezer. What would you do if you accidently broke your TV while moving it round the room. It doesn't take 10 minutes to sort out contents insurance online. Look at Martins article on insurance in the tabs at the top of forum, then see if you can get cash back from Quidco, Topcashback etc.

leftatthelights

The ONLY reason im not on the bills is due to my current financial situation.
I didnt want any link between myself and micheele at all and neither did she!!!:rolleyes: hahaha

tigerfeet2006

leftatthelights wrote: »

I am considering saying that she is my partner purely to uncomplicate the matter????

I dont want to stuff this up at all!!!!

OK, that will be fine.

leftatthelights

Oh right, I never looked at it that way tigersfeet!!! I never look at the bad side to anything though but I will definately consider taking out contents insurance now.