SOA Help.

peachyprice

InHope wrote: »

IIf HMRC did make me bc is it worse than me doing it?

It makes no difference, except you won't need to find £510.

philnicandamy

peachyprice wrote: »

It makes no difference, except you won't need to find £510.

some forms are slightly different or not needed....but as peachy said very much the same as if you did it yourself

InHope_3

Dalip, when difficulties first struck i had been working on a self employed basis and spent time working in the middle east where my troubles started after ending up in hospital and having a very expensive operation. being unable to walk at the time cost me my job and left me stranded. On returning to the uk i was told that i could not claim any income support.

dalip

The reason i asked is that if (even if it is only JSA)you have money available to pay "family members" then you can be seen to "support" yourself up to a point. If no income,no benefits and you rely totally on family now...after bc will be no different. Therefore your bc could be refused on the grounds that it would serve no real purpose as you would still be insolvent regardless. Am i making sense:o?Dx

fiveyearplan

The BR would get rid of the current debt and stress. Why don't you phone one of the debt charities who will go through all of your options with you. Contact details in Dalip's signature above. How much is your debt and what is it made of ie credit cards/loans etc?

If you go bankrupt you are allowed to have an income if you are able/decide to get a job.

InHope_3

Fiveyearplan, Debt is about 60,000 made up of loan, overdraft, credit cards and 8,000 HMRC.

InHope_3

Fiveyearplan, Debt is about 60,000 made up of loan, overdraft, credit cards and 8,000 HMRC.

thatsyourlot

I have just had my or interview today & here is what I have been allowed.

[tt]Statement of Affairs and Personal Balance SheetMonthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 336
Management charge (leasehold property).. 0
Council tax............................. 135
Electricity............................. 82
Gas..................................... 82
Oil..................................... 0
Water rates............................. 42
Telephone (land line)................... 60 (mobile & landline in together)
Mobile phone............................
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 450
Clothing................................ 100
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 50
Childcare/nursery....................... 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 14
Buildings insurance..................... 0
Contents insurance...................... 22
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
I guess every or is different