Can you please check my SOR

curly04

Hiya
I'm booked to go bankrupt on Tuesday at 10am and really scared
i have filled in the form but just need my sor checking. There is petrol but no car maintenance as I have a mobility vehicle.
Thanks for looking

There is 2 adults

Monthly Income Details[/b]
Monthly income after tax................ 1300
Partners monthly income after tax....... 600
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1900
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 139
Electricity............................. 60
Gas..................................... 80
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 25
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 18
Groceries etc. ......................... 400
Clothing................................ 60
Petrol/diesel........................... 180
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 40
Entertainment........................... 20
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 1808

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
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,900
Expenses (including HP & secured debts). 1,808
Available for debt repayments........... 92
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 92

confused76

hi there
i'm going br on thursday at 10am so i know exactly how you are feeling!!!!! i feel sick when i think about it...although from reading on here it seems quite a straightforward day - it's the unknown i suppose.
i can't really comment on your soa -i'm sure someone else will be along in a bit - good luck for tuesday x

Holes_in_my_pocket

Is the car a motability car i see you have no tax ins etc add internet to phone

broxiebear1

curly04 wrote: »

Hiya
I'm booked to go bankrupt on Tuesday at 10am and really scared
i have filled in the form but just need my sor checking. There is petrol but no car maintenance as I have a mobility vehicle.
Thanks for looking

There is 2 adults

Monthly Income Details[/b]
Monthly income after tax................ 1300
Partners monthly income after tax....... 600
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1900
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 139
Electricity............................. 60
Gas..................................... 80
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 25
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 18
Groceries etc. ......................... 400
Clothing................................ 60
Petrol/diesel........................... 180
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 40
Entertainment........................... 20
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 1808

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
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,900
Expenses (including HP & secured debts). 1,808
Available for debt repayments........... 92
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 92

good luck on yor br how do you pay for parking dont you have a blue badge also medical pres dont you get free pres. petrol is a bit much clothing 60 a month ? put it this way im struggling with my debt and cant afford most of your expencies you dont have life insurance but have pet insurance .and contents insurance ? i have life insurance but dont have pet or contants insurance

curly04

I can't get Life insurance as I am to ill

I work 15 miles away from home and the only way i can get there is to drive and petrol is expensive. I can't walk to far so If I had to go for public transport I would never get to work.

Our local town doesn't give free parking even with a Blue Badge

And I have to pay for a pre medical certificate which is 12 per month plus I have to buy things that I can't get on prescription like masks and chambers for my nebuliser that needs to be replaced every week or 2 and they are 3 quid a go.

Clothes is a bit high but this is for foot wear, due to my bone problem I walk lobsided and wear the backs down so I have to buy a new pair of trainers a least once a month.

eschaton

curly04 wrote: »

Hiya
I'm booked to go bankrupt on Tuesday at 10am
Thanks for looking

There is 2 adults

Electricity............................. 60
Gas..................................... 80
Telephone (land line)................... 25
Mobile phone............................ 40
Groceries etc. ......................... 400
Petrol/diesel........................... 180
Pet insurance/vet bills................. 20
Contents insurance...................... 18
Presents (birthday, christmas etc)...... 25
Haircuts................................ 40

Above all a bit excessive. Amazing how people going bankrupt can afford to live better than those that live within their means.

tigerfeet2006

curly04 wrote: »

Hiya
I'm booked to go bankrupt on Tuesday at 10am and really scared
i have filled in the form but just need my sor checking. There is petrol but no car maintenance as I have a mobility vehicle.
Thanks for looking

There is 2 adults

Monthly Income Details[/b]
Monthly income after tax................ 1300
Partners monthly income after tax....... 600
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1900
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 139
Electricity............................. 60
Gas..................................... 80
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 25
Mobile phone............................ 40 put this under LL £60 max
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 18 will have to come from surplus unless essential for work
Groceries etc. ......................... 400
Clothing................................ 60
Petrol/diesel........................... 180
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25 Most OR's will not allow but drop it a bit and see what happens.
Haircuts................................ 40 £20
Entertainment........................... 20 not allowed
Holiday................................. 20 £50
Emergency fund.......................... 0
Total monthly expenses.................. 1808

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
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,900
Expenses (including HP & secured debts). 1,808
Available for debt repayments........... 92
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 92

Is that your partners full wage or contribution? Are you both going BR?

curly04

eschaton - this isn't the place to judge people you don't know anything about me.

having spoke to CCCS they have advised to add my food shopping up a bit to cover having to pay my 17 year old reative to come in an clean for me and to take me shopping in my wheel chair when my husband is at work.
Also to cover my trips to the hospital at least once a month and to make sure I have money to buy food when I am off sick as I don't get sick pay.

I work a good 50 hour week I can't really walk but I do to work. I was born disabled and have never been out of work. When I get home I can't really do a lot due to the pain or not being able to breath my doctors tell me to sit at home and claim benifits - something I won't do.

And you Know what if I had a magic wand, or a fairy who will give me a wish the only thing I would ask for was not to be ill, and I would gladly use public transport I would love to be able to walk, and do what other take for granted. I was told to come on here as people are lovely and helpful...........
wish I never bothered!

tigerfeet2006

Curly, please don't go. The people who post regularly on the BR board will help and support you through this. Sometimes you get the odd troll who thinks that Martins ethos for this board does not mean them. Please ignore them they don't post here and have no business judging you.

Please stay here and get the help you need.

confused76

curly04 wrote: »

eschaton - this isn't the place to judge people you don't know anything about me.

having spoke to CCCS they have advised to add my food shopping up a bit to cover having to pay my 17 year old reative to come in an clean for me and to take me shopping in my wheel chair when my husband is at work.
Also to cover my trips to the hospital at least once a month and to make sure I have money to buy food when I am off sick as I don't get sick pay.

I work a good 50 hour week I can't really walk but I do to work. I was born disabled and have never been out of work. When I get home I can't really do a lot due to the pain or not being able to breath my doctors tell me to sit at home and claim benifits - something I won't do.

And you Know what if I had a magic wand, or a fairy who will give me a wish the only thing I would ask for was not to be ill, and I would gladly use public transport I would love to be able to walk, and do what other take for granted. I was told to come on here as people are lovely and helpful...........
wish I never bothered!

hi curly you do not need to justify yourself on this board. there are many many people on here who are kind and will give you good advice i promise.
99.9% of people will not judge you, as they don't know your situation, and i am sorry you have been upset by comments someone has made.
please keep posting and there will be plenty of people who will give you help and support.
sounds like you are in a lot of pain...hats off to you for keeping a full time job going that's incredible!!!:j

fiveyearplan

Curly04 - welcome! Most of us are lovely people however you do get some who are opinionated but luckily they aren't regulars of this forum. Please ignore them and stay for the help you came for.

As for your SOA - I agree with the comments made by TigerFeet so why don't you make those few changes and post it back on here.

Good luck for next week!!