please check soa need it monday thanks

snoopy89

Statement of Affairs and Personal Balance Sheet

Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 764
Other income...........................0
Total monthly income.................... 764

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 109.4
Rent.................................... 20
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 35
Oil..................................... 0
Water rates............................. 32.31
Telephone (land line)................... 35
Mobile phone............................ 20
TV Licence.............................. 11.95
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 240
Clothing................................ 20
Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 35
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10.25
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 12
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 25
Total monthly expenses.................. 780.91


Assets
Cash.................................... 135
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 635


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 1824.....(109.4)....0
Total secured & HP debts...... 1824......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
barcylays bank loan............15956.....350.......0
barclay card...................3127......62........0
capital one ...................985.......28........0
dwp overpayment................1824......40........0
moorcroft debt recove..........4079......35........0
citi card......................2194......45........0
Total unsecured debts..........28165.....560.......-


Monthly Budget Summary
Total monthly income.................... 764
Expenses (including HP & secured debts). 780.91
Available for debt repayments........... -16.91
Monthly UNsecured debt repayments....... 560
Amount short for making debt repayments. -576.91

Personal Balance Sheet Summary
Total assets (things you own)........... 635
Total HP & Secured debt................. -1,824
Total Unsecured debt.................... -28,165
Net Assets.............................. -29,354


not put any moneys for cleaner 3 hrs week, i am on dla and incapacity. not sure if the amounts are ok. big thanks.

get_me_debt_free

Just Bumping as I cant help but good luck for monday x

JCS1

Groceries might be a bit high, and emergency fund not normally allowed but leave as it. With your income being benefits you won't get an IPA anyway.

snoopy89

thanks folks

philnicandamy

i'd round the figures up as well......for example TV 11.95...instead £12.00

tigerfeet2006

snoopy89 wrote: »

Statement of Affairs and Personal Balance Sheet

Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 764
Other income...........................0
Total monthly income.................... 764

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 109.4 what is this?
Rent.................................... 20
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 35
Oil..................................... 0
Water rates............................. 32.31
Telephone (land line)................... 35
Mobile phone............................ 20
TV Licence.............................. 11.95
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 240 may be a bit high unless you have a special diet. But leave and see.
Clothing................................ 20
Petrol/diesel........................... 100
Road tax................................ 0 do you not pay this?
Car Insurance........................... 35 make sure this is fully comp
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10.25
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 0 you should get some for your belongings. Make sure it has accidental damage.
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 12
Entertainment........................... 0
Holiday................................. 0 £25
Emergency fund.......................... 25 put as holiday
Total monthly expenses.................. 780.91


Assets
Cash.................................... 135
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 635


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 1824.....(109.4)....0
Total secured & HP debts...... 1824......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
barcylays bank loan............15956.....350.......0
barclay card...................3127......62........0
capital one ...................985.......28........0
dwp overpayment................1824......40........0
moorcroft debt recove..........4079......35........0
citi card......................2194......45........0
Total unsecured debts..........28165.....560.......-


Monthly Budget Summary
Total monthly income.................... 764
Expenses (including HP & secured debts). 780.91
Available for debt repayments........... -16.91
Monthly UNsecured debt repayments....... 560
Amount short for making debt repayments. -576.91

Personal Balance Sheet Summary
Total assets (things you own)........... 635
Total HP & Secured debt................. -1,824
Total Unsecured debt.................... -28,165
Net Assets.............................. -29,354


not put any moneys for cleaner 3 hrs week, i am on dla and incapacity. not sure if the amounts are ok. big thanks.

What is the secured loan for??

snoopy89

@ tigerfeet 2006. hp/loan repayment are for car which i still owe just under 2000. I dont pay road tax, and i have paid up for this years community charge. food wise, i have to eat lotts of meat etc as i have blood loss and enimea (not sure spelling is right) tablets are couseing me problems such as sickness etc. will put 25 down for holliday, not had one for around 16 yeas or more. car insurance is fully comp with brakedown. and i have never had insurance as could not afford it, will look at it for now if thats better. meny thanks. opps i have a cleaner once a week that costs me 20.00, no place to put that.

snoopy89

give this a chek over if u r back later tigerfeet2006 thanks:beer:

philnicandamy

snoopy89 wrote: »

@ tigerfeet 2006. hp/loan repayment are for car which i still owe just under 2000. I dont pay road tax, and i have paid up for this years community charge. food wise, i have to eat lotts of meat etc as i have blood loss and enimea (not sure spelling is right) tablets are couseing me problems such as sickness etc. will put 25 down for holliday, not had one for around 16 yeas or more. car insurance is fully comp with brakedown. and i have never had insurance as could not afford it, will look at it for now if thats better. meny thanks. opps i have a cleaner once a week that costs me 20.00, no place to put that.

Have you checked the HP paperwork to see if theres a "bankruptcy" clause anywhere?

As far as the food goes you will need medical proof to back your claim up before the OR will allow such an ammount.

you wouldnt be allowed a cleaner on a soa...its classed as a luxury so therefore would have to come from any surplus you had left

Council tax....even though you have paid up list the monthly ammount it "would" have been...or the OR will question where you could find the cash to pay council tax upfront for a year

nervousmother

i do know someone who was allowed a cleaner on soa, was due to disability and them being unable to do it themselves.. i guess you could fight for it.
the HP car would concern me also..

tigerfeet2006

snoopy89 wrote: »

@ tigerfeet 2006. hp/loan repayment are for car which i still owe just under 2000 OK have you checked with the HP co. that they will let yuo continue to pay the HP if you go BR?. I dont pay road tax, and i have paid up for this years community charge How will you pay next years? You should maybe try and save some towards it this year.. food wise, i have to eat lotts of meat etc as i have blood loss and enimea (not sure spelling is right) tablets are couseing me problems such as sickness etc You may be asked for a letter from your Dr to confirm this but just explain at the back why you need to pay extra.. will put 25 down for holliday, not had one for around 16 yeas or more. car insurance is fully comp with brakedown well done. and i have never had insurance as could not afford it, will look at it for now if thats better Yes definatly worth getting some, very useful for replacing the food if your freezer goes caput.. meny thanks. opps i have a cleaner once a week that costs me 20.00, no place to put that On the forms there will be a drop down box where you can add it.

As you are benefits you will not get an IPA but it is nice to have every thing looking right for the OR.