Appointment on Wed 23rd

neverletitgetyoudown

hiya all,

Got my appointment at the court on wed 23rd got to be there at 8.45am

To be honest i cannot wait all the phone calls (2 this morning already) and letter from the companys is really gettign me down 1 company reings me every day sometimes twice!!!

getting all my forms sorted this weekend so i am ready

thank for the help that i have had from you guys

philnicandamy

well done getting the appt....wed will be here in no time at all

meanwhile anything your unsure about on the forms just shout out...

neverletitgetyoudown

philnicandamy wrote: »

well done getting the appt....wed will be here in no time at all

meanwhile anything your unsure about on the forms just shout out...

cheers

i rang and got the appt at the start of the month as someone on here said there may be a waiting time up to 6 weeks could of had one for the 17th but wouldn't of had the fee altogether by then

its all filled in apart from a few bits that i just gotta clear up

i really can't wait for wed

neverletitgetyoudown

just looking over forms now and section 3.1 Assets

where it says

Cash in bank, building society or similar account

there's only like pence in them shall i list it or no???

and im sure there's a part that asks about cash in hand i have 810 at the mo and that's including the 510 fee and 290 to live off for the next month

what should i put in there

expect more questions when i get really stuck into them tomorrow

fiveyearplan

I put in zero for cash in hand. You won't have the £510 on that date and you will have used up some of the £290 by then too. Make sure your bank accounts are left with little/no balance either.

fiveyearplan

Have you posted your SOA for comments?

neverletitgetyoudown

fiveyearplan wrote: »

Have you posted your SOA for comments?

i have posted it in a thread of mine somewhere will have a loo and post it here

and my month starts from the 20th to 20th as thats when im paid

found it

http://forums.moneysavingexpert.com/showthread.html?t=1917079&highlight=

tigerfeet2006

Just put it up again on this thread with the adjustments that have been suggested so we can have a quick look see and make sure nothing has been forgotten.

neverletitgetyoudown

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 992
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 992

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 300
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 40
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 20
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............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 0
CSA..................................... 139
Total monthly expenses.................. 759


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
Mortage Short Fall.............37436.....0.........0 NOT PAYING AT MOMENT
2nd Mort Short Fall............31306.....0.........0 NOT PAYING AT MOMENT
Catalog........................2162......90....... .0
Credit Card....................200.......6.........0
overpayment from old Job ..........4400......10........0
Catalog........................724.......50....... .0
Store card.....................547.......55........0
Loan...........................1603......35....... .0
Loan...........................5053......80....... .0
Total unsecured debts..........83431.....326.......-


Monthly Budget Summary
Total monthly income.................... 992
Expenses (including HP & secured debts). 759
Available for debt repayments........... 233
Monthly UNsecured debt repayments....... 326
Amount short for making debt repayments. -93

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -83,431
Net Assets.............................. -83,431


also on the br forms it asks what other family member contribute to the household

i am staying with my dad and don't really want to ask him about things like that as i pay him for board

tigerfeet2006

sjg1983 wrote: »

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 992
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 992

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 300
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 40
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 20 £40
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............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 20 £25
Emergency fund.......................... 0
CSA..................................... 139
Total monthly expenses.................. 759


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
Mortage Short Fall.............37436.....0.........0 NOT PAYING AT MOMENT
2nd Mort Short Fall............31306.....0.........0 NOT PAYING AT MOMENT
Catalog........................2162......90....... .0
Credit Card....................200.......6.........0
overpayment from old Job ..........4400......10........0
Catalog........................724.......50....... .0
Store card.....................547.......55........0
Loan...........................1603......35....... .0
Loan...........................5053......80....... .0
Total unsecured debts..........83431.....326.......-


Monthly Budget Summary
Total monthly income.................... 992
Expenses (including HP & secured debts). 759
Available for debt repayments........... 233
Monthly UNsecured debt repayments....... 326
Amount short for making debt repayments. -93

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -83,431
Net Assets.............................. -83,431


also on the br forms it asks what other family member contribute to the household


i am staying with my dad and don't really want to ask him about things like that as i pay him for board

Just say that and the OR should be ok with it. You do realise you will have to pay an IPA with the surplus you have.

Originally Posted by Phil


Some links from the Bankruptcy Help sticky (would strongly recommend you read that sticky if you haven't already)

Income Payment Agreements/Orders.

• IPO / IPA (Income Payment Orders and Income Payment Agreements) (IS)
• FAQ - Income Payment Orders / Agreements ( IPO / IPA ) (IS)
• OR's Case Help Manual - Income Payments Agreements (IS)
• OR's Case Help Manual - Income Payments Orders (IS)
• OR's Technical Manual - IPAs Assessment of real disposable income (IS)
• Nil tax (NT) coding/IPAs (MSE)
• Income Payments Calculator (Excel spreadsheet) (IS)

neverletitgetyoudown

tigerfeet2006 wrote: »

Just say that and the OR should be ok with it. You do realise you will have to pay an IPA with the surplus you have.

Originally Posted by Phil


Some links from the Bankruptcy Help sticky (would strongly recommend you read that sticky if you haven't already)

Income Payment Agreements/Orders.

• IPO / IPA (Income Payment Orders and Income Payment Agreements) (IS)
• FAQ - Income Payment Orders / Agreements ( IPO / IPA ) (IS)
• OR's Case Help Manual - Income Payments Agreements (IS)
• OR's Case Help Manual - Income Payments Orders (IS)
• OR's Technical Manual - IPAs Assessment of real disposable income (IS)
• Nil tax (NT) coding/IPAs (MSE)
• Income Payments Calculator (Excel spreadsheet) (IS)

i will be in a better position after my br so i don't mind that

the only problem is i may lose my job as i work for a bank

do i need to take a copy of that SOA with me???

i also pay child maintenance each month thats included in that aswell