Please help??? It's still too much to deal with alone.....

Ava8

That's a good idea, thanks. I will just have some dinner and get started. :j

confused76

Ava8 wrote: »

Thank you all,

My main concern is - do i put down his income as he pays most of the bills anyway. If i do, there shows a disposable income but there isn't actually one as he has his own debt and an IVA. Should i put his money down and do i get a chance to discuss this situation with the OR? My head is in a spin............

you would put your full income, and his contribution to the household, eg household bills, not his full income, as he needs the rest of his income for his own bills. i hope this makes sense?

Ava8

Hi Confused, just let me confirm
I put my income down and what I actually pay?

How can i put down his contribution without putting in his salary?

JCS1

Ava8 wrote: »

Hi Confused, just let me confirm
I put my income down and what I actually pay?

How can i put down his contribution without putting in his salary?

Using round figures for examples:

OH Salary £1,000
Less personal expenses (i.e. he will have his IVA in due course) £250
OH Contribution to household expenses £750

rennes123

Hi ava8,I felt exactly the same way until I discovered this forum,one thing I have learnt is,take it slowly,I wanted everything done immediatly,and have realised that is not going to happen. I havnt been contributing much lately,due to nothing happening,but read the forum every day,it keeps me going,there have been days when I just want to give up then I look on here and it gives me the courage to go on. Like all the people on this forum,we will do it!
Keep the faith!
I have a boxer dog.....say no more

Ava8

Right folks, please let me know if i am on the right track. My husband pays the £1100 a month mortgage and the majority of bills. I only make a small contribution in comparrison. So this statement is for me alone as he is going to do his own IVA.

I was paying 160 a month to PayPlan but stopped last month to enable me to save for my BR. Am I missing anything that i can claim here?



Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2 For me, daughter,and 17yr old son both in FT education
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1002
Partners monthly income after tax....... 0
Benefits................................ 82
Other income............................ 0
Total monthly income.................... 1084
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 20
Oil..................................... 80
Water rates............................. 10
Telephone (land line)................... 60
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 14
Internet Services....................... 25
Groceries etc. ......................... 400
Clothing................................ 90
Petrol/diesel........................... 120
Road tax................................ 17
Car Insurance........................... 20
Car maintenance (including MOT)......... 40
Car parking............................. 30
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 60
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 40
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 15
Emergency fund.....................
..... 20
Cigarettes.............................. 80
Alcohol................................. 30
Total monthly expenses.................. 1413

Assets
Cash.................................... 0
House value (Gross)..................... 172000 Now in neg equity
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 172400

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 173400...(0)........0 hubby pays
Total secured & HP debts...... 173400....-.........-
Unsecured Debts TOTALY ASHAMED OF MYSELF
Description....................Debt......Monthly...APR
halifax overdraft..............3385......0.........0
halifax loan...................13692.....0.........0
halifax cc.....................2385......0.........0
woolwich.......................1910......0.........0
santander......................1675......0.........0
capital one....................1970......0.........0
dell...........................450.......0.........0
mbna...........................3335......0.........0
mbna...........................4730......0.........0
hsbc...........................3055......0.........0
hsbc...........................1385......0.........0
bank of scotland...............985.......0.........0
barclaycard....................3645......0.........0
first trust bank loan..........3320......0.........0
first trust overdraft..........1500......0.........0
abbey overdraft................225.......0.........0
abbey loan.....................14780.....0.........0
Total unsecured debts..........62427.....0.........-

Monthly Budget Summary
Total monthly income.................... 1,084
Expenses (including HP & secured debts). 1,413
Available for debt repayments........... -329
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -329
Personal Balance Sheet Summary
Total assets (things you own)........... 172,400
Total HP & Secured debt................. -173,400
Total Unsecured debt.................... -62,427
Net Assets.............................. -63,427
Created using the SOA calculator at

THANKS IN ADVANCE

Darnit_2

Just got a dog! Couldnt afford one before BR
Lots of walks in fresh air doing me the world of good, and I talk to him , and he listens, double :o.

Darnit_2

Ava8 wrote: »

Right folks, please let me know if i am on the right track. My husband pays the £1100 a month mortgage and the majority of bills. I only make a small contribution in comparrison. So this statement is for me alone as he is going to do his own IVA.

I was paying 160 a month to PayPlan but stopped last month to enable me to save for my BR. Am I missing anything that i can claim here?



Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2 For me, daughter,and 17yr old son both in FT education
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1002
Partners monthly income after tax....... 0
Benefits................................ 82
Other income............................ 0 this is where you explain your ex-partners contribution, but not his full wage
Total monthly income.................... 1084
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 20
Oil..................................... 80
Water rates............................. 10
Telephone (land line)................... 60
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 14 not usually allowed this, but if in a contract, could argue
Internet Services....................... 25
Groceries etc. ......................... 400
Clothing................................ 90
Petrol/diesel........................... 120
Road tax................................ 17
Car Insurance........................... 20
Car maintenance (including MOT)......... 40
Car parking............................. 30 probably be asked to prove this
Other travel............................ 20 will be queried, is it for kids college etc?
Childcare/nursery....................... 0
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 60 think the limit is about £25
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 40
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 not allowed
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 15 this can be higher, around £80
Emergency fund.....................
..... 20 not allowed
Cigarettes.............................. 80 Oh dear, not sure about thos one?
Alcohol................................. 30 definite no no
Total monthly expenses.................. 1413

Assets
Cash.................................... 0
House value (Gross)..................... 172000 Now in neg equity
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 172400

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 173400...(0)........0 hubby pays
Total secured & HP debts...... 173400....-.........-
Unsecured Debts TOTALY ASHAMED OF MYSELF Don't be! Mine would have made your eyes water!
Description....................Debt......Monthly...APR
halifax overdraft..............3385......0.........0
halifax loan...................13692.....0.........0
halifax cc.....................2385......0.........0
woolwich.......................1910......0.........0
santander......................1675......0.........0
capital one....................1970......0.........0
dell...........................450.......0.........0
mbna...........................3335......0.........0
mbna...........................4730......0.........0
hsbc...........................3055......0.........0
hsbc...........................1385......0.........0
bank of scotland...............985.......0.........0
barclaycard....................3645......0.........0
first trust bank loan..........3320......0.........0
first trust overdraft..........1500......0.........0
abbey overdraft................225.......0.........0
abbey loan.....................14780.....0.........0
Total unsecured debts..........62427.....0.........-

Monthly Budget Summary
Total monthly income.................... 1,084
Expenses (including HP & secured debts). 1,413
Available for debt repayments........... -329
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -329
Personal Balance Sheet Summary
Total assets (things you own)........... 172,400
Total HP & Secured debt................. -173,400
Total Unsecured debt.................... -62,427
Net Assets.............................. -63,427
Created using the SOA calculator at

THANKS IN ADVANCE

Hope that helps, ideally you want your SOA to balance out with what is allowed and OH gives you. Then he has to dicuss with you, because his needs to "match"

mobamilly

hi im new and totally rubbish on computer. i lost my mum last year and had to sell our home to pay nursing fees and pay of huge loan secured on it for her so called friend. i made nothing from sale. i now rent back from buyer, but it took ages to sell and i have been ill with cancer forover 5 years but due to care of mum neglected me and im now very ill. i have huge rent arrears 1000 and a friend came to care for me now council want all my housing benefit back too. dont give up. i need to find help to sort this , if i get thrown out i cany buy it back and im due an illness payout i was a nurse and want to buy back the house i was born in. i have two dogs but no family left they are my world. if you can stick at it we can get thru this , im sure. i cant get loans, or any help . i dont even know how to post a question on here, that would be astart chin up , godbless

fermi

mobamilly wrote: »

hi im new and totally rubbish on computer. i lost my mum last year and had to sell our home to pay nursing fees and pay of huge loan secured on it for her so called friend. i made nothing from sale. i now rent back from buyer, but it took ages to sell and i have been ill with cancer forover 5 years but due to care of mum neglected me and im now very ill. i have huge rent arrears 1000 and a friend came to care for me now council want all my housing benefit back too. dont give up. i need to find help to sort this , if i get thrown out i cany buy it back and im due an illness payout i was a nurse and want to buy back the house i was born in. i have two dogs but no family left they are my world. if you can stick at it we can get thru this , im sure. i cant get loans, or any help . i dont even know how to post a question on here, that would be astart chin up , godbless

Hi. I've moved this into it's own thread.

Click --> help please