Just starting to do the forms

Dano1311

Hi i am just starting to fill out my form for BR and am getting alittle bit confused, it says dependents, my partner is 8 months pregant and due to have our first child next month, do i include this in my application?

Also the statement of affairs has baffelled me, im using the Insolvency websites online forms and they dont have a great deal of detail in what they are asking.

1. Rent/Mortgage
2.Housekeeping
3.Gas/electric/heatin
4.Water
5.Telephone
6.Travelling to and from work
7.Clothing
8.Maintance and fines
9.Council Tax
10. Other essentials


I dont know what to put for some of these, for example highlighted Clothing, i never buy myself anything as i cannot afford anything so what do i put for this? nothing?

kerrypn

Hi Dano and welcome

Try and fill in one here http://www.makesenseofcards.com/soacalc.html and post up here and lots of people will help you with it.

HTH

Waspeze

Dano1311 wrote: »

Hi i am just starting to fill out my form for BR and am getting alittle bit confused, it says dependents, my partner is 8 months pregant and due to have our first child next month, do i include this in my application?

Also the statement of affairs has baffelled me, im using the Insolvency websites online forms and they dont have a great deal of detail in what they are asking.

1. Rent/Mortgage
2.Housekeeping
3.Gas/electric/heatin
4.Water
5.Telephone
6.Travelling to and from work
7.Clothing
8.Maintance and fines
9.Council Tax
10. Other essentials


I dont know what to put for some of these, for example highlighted Clothing, i never buy myself anything as i cannot afford anything so what do i put for this? nothing?

answering your specific question..

Just because you can't afford clothes doesn't mean you don't "need" clothes (e.g. work, interview etc)
So put down a reasonable amount usually (I think) between £30 and £50 for one person.


Use the link that kerry posted and then pop it up here and people will help with it

Dano1311

I just dont know what the averages are, for example i hardly spend anything on food to be able to pay bills and creditors off so i would say i spend around £30 a week tops on food, if i put that down it would seem abit odd to a OR that i have so much spare cash but cant pay my bills.

kerrypn

Dano post your SOA and people will help you make sure you will have enough to live on post BR

Dano1311

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0 Child on way tho due in jan
Number of cars owned.................... 1 Car is owned by partner.
Monthly Income Details
Monthly income after tax................ 902
Partners monthly income after tax....... 475
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1377
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 203.8
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 25
Gas..................................... 130
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 25
Mobile phone............................ 52
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 425
Clothing................................ 100
Petrol/diesel........................... 140
Road tax................................ 15.83
Car Insurance........................... 29.16
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.2
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1302.99

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
Defaulted credit card..........1180.67...0.........0
defaulted loan.................11000.....0.........0
argos card.....................303.78....0.........0
credit card....................380.31....0.........0
credit union loan..............2286.86...0.........0
credit card....................1321.3....0.........0
Total unsecured debts..........16472.92..0.........-

Monthly Budget Summary
Total monthly income.................... 1,377
Expenses (including HP & secured debts). 1,302.99
Available for debt repayments........... 74.01
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 74.01
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -16,472.92
Net Assets.............................. -16,472.92

Any help or advise would be appreciated, please note i have set all apr min payments to nothing as i was paying a debt managment company £165 a month to pay the defaulted and argos card.

kerrypn

Dano1311 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0 Child on way tho due in jan Have you got a court date yet? If not, it may be after bambino arrives-this will affect your allowable expenses-as in you will be able to claim more for certain things. And congratulations!
Number of cars owned.................... 1 Car is owned by partner. In her name? If so, dont put it as your asset if you just use it there is a seperate section for this on the SOA
Monthly Income Details
Monthly income after tax................ 902
Partners monthly income after tax....... 475
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1377
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 203.8 Is this after Housing benefit?
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 25
Gas..................................... 130 This seems very high-includes arrears?
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 25
Mobile phone............................ 52 Put in with landline combined total 50
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 425 make sure this is amended to include cost of nappies, formula etc after baby comes
Clothing................................ 100 A bit high maybe, but with a new baby this should be OK
Petrol/diesel........................... 140
Road tax................................ 15.83
Car Insurance........................... 29.16
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.2
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0 Get this with accidental damage £20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0 £20
Entertainment........................... 0
Holiday................................. 0 £40
Emergency fund.......................... 0
Total monthly expenses.................. 1302.99

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
Defaulted credit card..........1180.67...0.........0
defaulted loan.................11000.....0.........0
argos card.....................303.78....0.........0
credit card....................380.31....0.........0
credit union loan..............2286.86...0.........0
credit card....................1321.3....0.........0
Total unsecured debts..........16472.92..0.........-

Monthly Budget Summary
Total monthly income.................... 1,377
Expenses (including HP & secured debts). 1,302.99
Available for debt repayments........... 74.01
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 74.01
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -16,472.92
Net Assets.............................. -16,472.92

Any help or advise would be appreciated, please note i have set all apr min payments to nothing as i was paying a debt managment company £165 a month to pay the defaulted and argos card.

Try those figures I would put a note on your SOA about impending birth too

tigerfeet2006

Is it just you going BR?

Dano1311 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0 Child on way tho due in jan make a note on your forms if not here before your BR.
Number of cars owned.................... 1 Car is owned by partner.
Monthly Income Details
Monthly income after tax................ 902
Partners monthly income after tax....... 475
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1377
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 203.8
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 25
Gas..................................... 130 Does this include arrears?
Oil..................................... 0
Water rates............................. 18 is this correct?
Telephone (land line)................... 25
Mobile phone............................ 52 add this to the land line £60 max.
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 425 £400
Clothing................................ 100 £50 for you
Petrol/diesel........................... 140 Is this you using your OH's vehicle?
Road tax................................ 15.83
Car Insurance........................... 29.16
Car maintenance (including MOT)......... 0 £30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.2 £20
Pet insurance/vet bills................. 0 any pets?
Buildings insurance..................... 0
Contents insurance...................... 0 you really should get some especially with accidental damage. £20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0 £10
Entertainment........................... 0
Holiday................................. 0 £40
Emergency fund.......................... 0
Total monthly expenses.................. 1302.99

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
Defaulted credit card..........1180.67...0.........0
defaulted loan.................11000.....0.........0
argos card.....................303.78....0.........0
credit card....................380.31....0.........0
credit union loan..............2286.86...0.........0
credit card....................1321.3....0.........0
Total unsecured debts..........16472.92..0.........-

Monthly Budget Summary
Total monthly income.................... 1,377
Expenses (including HP & secured debts). 1,302.99
Available for debt repayments........... 74.01
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 74.01
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -16,472.92
Net Assets.............................. -16,472.92

Any help or advise would be appreciated, please note i have set all apr min payments to nothing as i was paying a debt managment company £165 a month to pay the defaulted and argos card.

Can you answer a couple of questions please.

Dano1311

Thanks for the advise, the heating is so expensive as the area we live we dont have gas, we have a system that does the heating, hot water etc and at the moment it is costing around £30-£35 a week! which is quite shocking, but we have no alternative as gas is not plumbed into our house.

We get no housing benefit we have a tiny 1 bed house £50.95pw

How much would you advise to increase the grocery by when baby comes?

Dano1311

yes the petrol is for us OH car, water rates are included in the rent, it works out at £4.51 so x4 to geto around £18.00.

i though the clothing was for both of us thats why it is £100 :S

i have 2 dogs, but they are residing with my mother at her house as ours is too small and we only recently moved.

It is just me going bankrupt.

tigerfeet2006

Dano1311 wrote: »

Thanks for the advise, the heating is so expensive as the area we live we dont have gas, we have a system that does the heating, hot water etc and at the moment it is costing around £30-£35 a week! which is quite shocking, but we have no alternative as gas is not plumbed into our house. OK. just make sure that the OR understands this. We lived in a flat where in winter we were putting £50 a week on the meter, so know where you are coming from. Have you done any of the price comparison sites?

We get no housing benefit we have a tiny 1 bed house £50.95pw

How much would you advise to increase the grocery by when baby comes? to £450

Dano1311 wrote: »

yes the petrol is for us OH car only put money down for your car use.Your OH will have to pay her own personal bills., water rates are included in the rent, it works out at £4.51 so x4 to geto around £18.00. fair enough

i though the clothing was for both of us thats why it is £100 :S She will pay her for her own clothing, her expense not yours. You can increase it some when the baby arrives.

i have 2 dogs, but they are residing with my mother at her house as ours is too small and we only recently moved. fair enough

It is just me going bankrupt.

You put all the joint bills down as you have, then your own personal expenses down. You put your full income down and your OH contribution to the joint bills.

Put the car under the section that asks about vehicles you have use of. on the form