OR letter

Desperate+Depressed

Hi,

Just some background info that may assist when you look at these figures:

1. I am in receipt of income support and child tax credit, so do not pay rent or council tax.

2. I no longer have any debt

3. The figures I have used are the ones I originally entered when applying for BR. The only one I have increased is the gas. At the time of applying for BR, I was only putting £10pw on my meter, but I am now having to put £15. I don't want the OR to think I'm pulling a fast one, if I alter the figures too much compared to what was on my original SOA!

4. My landline includes sky tv and broadband.

Hope all this helps??



Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 512
Other income............................ 0
Total monthly income.................... 512
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 60
Oil..................................... 0
Water rates............................. 16
Telephone (land line)................... 50
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 20
Petrol/diesel........................... 40
Road tax................................ 15
Car Insurance........................... 16
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 5
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 5
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Total monthly expenses.................. 579

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 300
Other assets............................ 0
Total Assets............................ 300

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 512
Expenses (including HP & secured debts). 579
Available for debt repayments........... -67
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -67
Personal Balance Sheet Summary
Total assets (things you own)........... 300
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 300
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

tigerfeet2006

LouiseSA wrote: »

Well it looks like I spoke too soon....... I got a letter this morning saying I had been discharged on 26 Nov 2009. :beer:

Altho I did check the website and it still says Bankrupt

Have you clicked on your nname and gone through to the main details?

tigerfeet2006

D+D all looks fine. How do you manage with a deficite though I would cut out holiday and make deficit smaller.

philnicandamy

and are your water rates that low?

Desperate+Depressed

I can reduce the holiday costs that's not a problem.

The water rates are REALLY that low..... I pay April - Oct (don't know if this is the same for everyone), and I pay around £185ish for the year.

x

Desperate+Depressed

Just realised, I haven't entered my income of family allowance of £20 per week....oops!

x

nervousmother

if your income is just benefits you wont get a IPA anyway.

LouiseSA

tigerfeet2006 wrote: »

Have you clicked on your nname and gone through to the main details?

I have now and it does say ED, thanks Tigerfeet, I wish I had done that weeks ago instead of just looking at the main page.

Desperate+Depressed

nervousmother wrote: »

if your income is just benefits you wont get a IPA anyway.

i will be sending the form back to the OR tomorrow, which I know will then take time for them to do their bit with creditors etc......so what would happen, if I were to get a job whilst all that is taking place?

I have made enquiries with a local private day nursery to work p/time (would be 18hrs pw).....I've had to guesstimate the salary at £6.50ph and tax credits would then possibly be £120 (approx) pw.

How would I stand then?

x

nervousmother

If you get a job whilst you are still BR you have to inform them within 21 days. At that point they will look at doing a IPA.