Finally getting my head out the sand

br_man

Well I had another letter from the Council today with a court date. It reads as follows:

Complaint has this day been made before me the unsigned on behalf of the Charging Authority for the District that you, being a person duly assessed and charged as set out above, had not paid the said full amount of the Council Tax by the date of Complaint.

You are hereby summoned to appear on 27/05/10 at 10am to show cause why you have not paid the sum which is outstanding.

Can I do all that is required before the 27th or can I set the wheels in motion and notify them that I will be going BR in the next few weeks?

Sunnylooloo

Hi

I'll give you a bump up as I am not too sure myself how long it takes - I know you can at some courts just turn up and at others you need to make an appointment.

The form I think is quite in depth and you need to make sure you have all your paperwork in order (someone more in the know will be able to shed more light on this for you)

Also I think you really do need to have shown that you have sought advice from one of the debt charities. As I have suggested earlier maybe you can get an appointment at your nearest CAB office and they may also be able to give you some advice with your form.

I also think you can do you form on line and I hope some kind person will post the link for me.

Hope that helps and as I said someone with more knowledge than me will be along soon

LL

br_man

Thanks for the reply LL. I appreciate your help.

Could I speak to one of the CCCS guys and show that they have advised I go BR and will be doing so? Would that stop them sending the bailiffs?

Sunnylooloo

I don't think that would stop the balliffs - Hopefully someone with balifff knowledge can advise.

Whatever happens when you do go BR you have to show the court that you have sought advice.

I think as you want to do this quite quickly and as you have the threat of baliffs hanging over you I would possible go to your local CAB

good luck

singlegirl

Hi br_man

Welcome

Here is the link for the Insolvency Service.

http://www.insolvency.gov.uk/index.htm

Best of luck.

out_of_cash

"being a person duly assessed and charged as set out above,"
what crap!

the wording of that letter sounds very mellow dramatic, i know some sols and dcas can and do try but that sounds like its from a movie script .Next thing they will be saying will the dfendent proceed to the electric chair.

Dont worry br man once you and if you go br? its game over for them. Not a 100% but i think council tax can be included in the br list.

br_man

Thanks Single and Out

Can I act in time to stop that bailiff as I go away to the Lakes for a few days over that w/e and I am worried that they will come round and collar my folks?

My folks aren't in any danger if I go BR?

br_man

Been a long time since I did a SOA.

I will be on IS and Carers Allowance which is £410 per calender month.

I have entered the figures. They are ballparks as I have been living off my folks for the last year but will contribute now.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 410
Other income............................ 0
Total monthly income.................... 410

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 200
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 10
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 10
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 20
Holiday................................. 10
Emergency fund.......................... 0
Total monthly expenses.................. 410


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.................... 410
Expenses (including HP & secured debts). 410
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 0

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

Created using the SOA calculator at
Reproduced on Moneysavingexpert with permission, using other browser.

br_man

I may have found an answer to my issue re council tax from nosing around on here

bailiffadviceonline.co.uk/counciltax

So judging by that I will have 2 weeks as of the Court Date to get it all done and dusted before bailiffs appear.

I also don't need to appear in court by looks of things.

If the bailiffs are appointed and have fees, can I add them to the Bankruptcy or is it not as simple?

Thanks for your help all.

Sunnylooloo

Just a quick one.. on your SOA you can't have money for presents or entertainment.

Can i assume the rent you are paying is to your parents and that includes things like TV licence/gas/elect/council tax?

Glad you found out some info on Baliffs - and sorry can't answer your laterst questions but sure someone will be along soon who can help.