Form 6.28 - advice please

Desperate+Depressed

This is my second attempt at asking for help/advice with questions on the Form 6.28!! The damm computer didn't list it in the Forum......so I'm asking all over again lol

Personal Details - I have written mobile no. Should I cross it out as I don't think I should be even using the phone?? I am currently on contract with it, but runs until Jan, and wondered it this should be added to the list of creditors??

Section 3

3.1 Cash in hand - I don't have any spare money if that is what it means??

3.2 Cash in bank etc - I've closed my bank & building soceity a/c's and the money in there is being used to pay the BR court fee. I've opened a new basic barclay a/c, so should I just enter what cash is currently in there?

Assets
3.2 Endowment Policy - had one 11 years ago when was married. But cashed it in with ex when got divorced, do I still need to list it?

Section 5 Bank a/c
5.1 - do I list the one's I've just closed or the barclays one I have now?

Section 6 - Emloyment

I am in receipt of income support, and have put last employers details in.

6.9 last income tax ref no. what is it, and where can I find it?

Section 7 - Outgoings
Shall I just go by the SOA you guys on here amended with me a few days ago?

Section 11 - causes of BR

when first had difficulty???? I've being paying up until recently, CCCS advised that it would take me 30+years to clear debts and recommended BR.

Reasons for not having enough money??????


Your help/advice would be gratefully received x

dalip

Desperate+Depressed wrote: »

This is my second attempt at asking for help/advice with questions on the Form 6.28!! The damm computer didn't list it in the Forum......so I'm asking all over again lol

Personal Details - I have written mobile no.the OR likes to call you on a landline so if you have one put that down instead Should I cross it out as I don't think I should be even using the phone?? I am currently on contract with it, but runs until Jan, and wondered it this should be added to the list of creditors??if you want to stop paying it and add to list of creditors

Section 3

3.1 Cash in hand - I don't have any spare money if that is what it means??just put nil

3.2 Cash in bank etc - I've closed my bank & building soceity a/c's and the money in there is being used to pay the BR court fee. I've opened a new basic barclay a/c, so should I just enter what cash is currently in there?all these answers are how it will be on the day you actually go bc not how it is now

Assets
3.2 Endowment Policy - had one 11 years ago when was married. But cashed it in with ex when got divorced, do I still need to list it?would have thought not.

Section 5 Bank a/c
5.1 - do I list the one's I've just closed or the barclays one I have now?any bank acc you have had in the last 2 years need to be listed

Section 6 - Emloyment

I am in receipt of income support, and have put last employers details in.

6.9 last income tax ref no. what is it, and where can I find it?look on your last pay slip

Section 7 - Outgoings
Shall I just go by the SOA you guys on here amended with me a few days ago?yes

Section 11 - causes of BR

when first had difficulty???? I've being paying up until recently, CCCS advised that it would take me 30+years to clear debts and recommended BR.so when did you first realise you were struggling

Reasons for not having enough money??????
Any change in circumstance ie.divorce,health,job which contributed to you situation. They like to see amounts and dates

Your help/advice would be gratefully received x

Ok hope that helps.Dx

Desperate+Depressed

Originally Posted by Desperate+Depressed
This is my second attempt at asking for help/advice with questions on the Form 6.28!! The damm computer didn't list it in the Forum......so I'm asking all over again lol

Personal Details - I have written mobile no.the OR likes to call you on a landline so if you have one put that down instead Should I cross it out as I don't think I should be even using the phone?? I am currently on contract with it, but runs until Jan, and wondered it this should be added to the list of creditors??if you want to stop paying it and add to list of creditors so if I add it to the list of creditors do you recommend I stop using it as from now (I don't want them to think I'm taking the p*** by still using during app for BR)

Section 3

3.1 Cash in hand - I don't have any spare money if that is what it means??just put nil

3.2 Cash in bank etc - I've closed my bank & building soceity a/c's and the money in there is being used to pay the BR court fee. I've opened a new basic barclay a/c, so should I just enter what cash is currently in there?all these answers are how it will be on the day you actually go bc not how it is now so I WILL need to enter what amount is in there then and no doubt my benefits will have been paid in by then aswell!

Assets
3.2 Endowment Policy - had one 11 years ago when was married. But cashed it in with ex when got divorced, do I still need to list it?would have thought not.

Section 5 Bank a/c
5.1 - do I list the one's I've just closed or the barclays one I have now?any bank acc you have had in the last 2 years need to be listed Sorry, didn't explain that q. very well......5.1 asks if I have any cheque cards etc etc then provide details. Then 5.4. says to list any held in last 2 years. I am confused as to what 5.1 wants me to put??????????

Section 6 - Emloyment

I am in receipt of income support, and have put last employers details in.

6.9 last income tax ref no. what is it, and where can I find it?look on your last pay slip Is this the tax code?

Section 7 - Outgoings
Shall I just go by the SOA you guys on here amended with me a few days ago?yes

Section 11 - causes of BR

when first had difficulty???? I've being paying up until recently, CCCS advised that it would take me 30+years to clear debts and recommended BR.so when did you first realise you were struggling Have been for a few years, I've just been taking a loan out to pay a card or visa versa, so should I put the date of when I applied to repay the first?

Reasons for not having enough money??????
Any change in circumstance ie.divorce,health,job which contributed to you situation. They like to see amounts and dates I think I can answer this one now with your help

Thanks x

Angiepange

desperate+depressed wrote: »

originally posted by desperate+depressed

desperate+depressed wrote: »

3.2 cash in bank etc - i've closed my bank & building soceity a/c's and the money in there is being used to pay the br court fee. I've opened a new basic barclay a/c, so should i just enter what cash is currently in there?all these answers are how it will be on the day you actually go bc not how it is now so i will need to enter what amount is in there then and no doubt my benefits will have been paid in by then aswell! on br day the or asked us on the phone if we had any money in any of our accounts we needed to live on. I told them my new co op acc was going to receive dh wages and my ctc,cb. He made a note of acc no. You will be able to explain about your benefits, they will know you need it to live on.

assets
3.2 endowment policy - had one 11 years ago when was married. But cashed it in with ex when got divorced, do i still need to list it?would have thought not. we listed our old endowment policy as q3.3 asks for details of lapsed policies

section 5 bank a/c
5.1 - do i list the one's i've just closed or the barclays one i have now?any bank acc you have had in the last 2 years need to be listed sorry, didn't explain that q. Very well......5.1 asks if i have any cheque cards etc etc then provide details. Then 5.4. Says to list any held in last 2 years. I am confused as to what 5.1 wants me to put?????????? in q5.1 we ticked yesin q5.2 we listed all actual cards we have ie visa debit, link cash card, visa cc........then in q5.4 we listed bank accs and savings acc. At the bottom of this page i wrote details of our co op cashminder acc and explained we had opened it for post br use and wages and benefits would be paid in here

section 6 - emloyment

i am in receipt of income support, and have put last employers details in.

6.9 last income tax ref no. What is it, and where can i find it?look on your last pay slip is this the tax code? no, dh had to ring his employer and speak to payroll. They gave him the tax ref no and address of tax office


thanks x

hope that helps you angie x

dalip

Desperate+Depressed wrote: »

Originally Posted by Desperate+Depressed
This is my second attempt at asking for help/advice with questions on the Form 6.28!! The damm computer didn't list it in the Forum......so I'm asking all over again lol

Personal Details - I have written mobile no.the OR likes to call you on a landline so if you have one put that down instead Should I cross it out as I don't think I should be even using the phone?? I am currently on contract with it, but runs until Jan, and wondered it this should be added to the list of creditors??if you want to stop paying it and add to list of creditors so if I add it to the list of creditors do you recommend I stop using it as from nowYES (I don't want them to think I'm taking the p*** by still using during app for BR)

Section 3

3.1 Cash in hand - I don't have any spare money if that is what it means??just put nil

3.2 Cash in bank etc - I've closed my bank & building soceity a/c's and the money in there is being used to pay the BR court fee. I've opened a new basic barclay a/c, so should I just enter what cash is currently in there?all these answers are how it will be on the day you actually go bc not how it is now so I WILL need to enter what amount is in there then and no doubt my benefits will have been paid in by then aswell!YES but you will have chance to explain to the OR after your bc has been confirmed. Make sure you tell them it is a basic acc opened specifically for use AFTER bc and that it contains your benefits

Assets
3.2 Endowment Policy - had one 11 years ago when was married. But cashed it in with ex when got divorced, do I still need to list it?would have thought not.

Section 5 Bank a/c
5.1 - do I list the one's I've just closed or the barclays one I have now?any bank acc you have had in the last 2 years need to be listed Sorry, didn't explain that q. very well......5.1 asks if I have any cheque cards etc etc then provide details. Then 5.4. says to list any held in last 2 years. I am confused as to what 5.1 wants me to put??????????hang on getting my SOA out:D.......ok you tick yes then give details of any accounts which had cards like credit cards,drect debit cards,cash point cards. Make sure you repeat any in 5.4 that you have listed in section 4(unsecured creditors)if you owe them

Section 6 - Emloyment

I am in receipt of income support, and have put last employers details in.

6.9 last income tax ref no. what is it, and where can I find it?look on your last pay slip Is this the tax code?no look on a p45

Section 7 - Outgoings
Shall I just go by the SOA you guys on here amended with me a few days ago?yes

Section 11 - causes of BR

when first had difficulty???? I've being paying up until recently, CCCS advised that it would take me 30+years to clear debts and recommended BR.so when did you first realise you were struggling Have been for a few years, I've just been taking a loan out to pay a card or visa versa, so should I put the date of when I applied to repay the first?don't say that:eek:. Just think back to whe you first realised you were in too deep and could not get out

Reasons for not having enough money??????
Any change in circumstance ie.divorce,health,job which contributed to you situation. They like to see amounts and dates I think I can answer this one now with your help

Thanks x

Ok is that any good?.Just keep asking those forms are a nightmare.Dx

Desperate+Depressed

Thanks dalip.......sorry it meant you had to go and get your own form out. The last thing I want is to keep asking ppl questions and then put them out.

dalip

Hey no problem glad to help honest. My SOA is always close by:oso not like i had to look under a mountain of papers to find it.. You just ask away girl. The reason i stay on here is to help others and if i can not do that....then no point, so never say sorry:shhh:.ok;)

Desperate+Depressed

Thanks Dalip :j