The Bankruptcy Club & Supporters Club

gettingitsorted

goonergirl wrote:

awww! thanks you lot making me feel bit better about it ! still don't stop the guilt though
Dont worry about them forms too much at least you on the way to being done and dusted now!
think i gonna have a cuppa to chill with and maybe a choccy biccy! can't wait for BR to be over then I can save for my Tassimo machine so I can have a cappucino! LOL

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The guilt thing always gets me too im a right worrier by nature.

oh cappucino i would just love one of those

gettingitsorted

Mike_St_Helens wrote:

AND Im in the middle of tiling my kitchen... (sexy black tiles !) and have got tiling adhesive all over my keyboard now.... whos fault is that !

:rotfl: sounds like fun there is nothing better than a bit of dirty work :rotfl:

we are having sexy black tiles in our kitchen too!(when DH finally gets round to it they are just sat in the utillity at the mo all 22 boxes.

goonergirl

gettingitsorted wrote:

The guilt thing always gets me too im a right worrier by nature.

oh cappucino i would just love one of those

i know but £100 for one of them machines!!! bit too much at the mo! maybe they come down in the sales??
typical kays just sent a leaflet and they now doing them! LOL ah well!

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Mike_St_Helens

gettingitsorted wrote:

:rotfl: sounds like fun there is nothing better than a bit of dirty work :rotfl:

we are having sexy black tiles in our kitchen too!(when DH finally gets round to it they are just sat in the utillity at the mo all 22 boxes.

Im on box 2 from 10......

See you can be bankrupt and still have sexy black tiles... I HATE TILING !

goonergirl

Mike_St_Helens wrote:

AND Im in the middle of tiling my kitchen... (sexy black tiles !) and have got tiling adhesive all over my keyboard now.... whos fault is that !

sounds nice someone getting on with normal stuff, moving on from debt! I think when you in debt (prob when you proceeding with BR) it seems all life and time consuming it the only thing you can think of and every thing else is going through the motions. (or that the way it feels at mo) and it seems strange getting on with tiling the kitchen! hope it looks nice!

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gettingitsorted

goonergirl wrote:

i know but £100 for one of them machines!!! bit too much at the mo! maybe they come down in the sales??
typical kays just sent a leaflet and they now doing them! LOL ah well!

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Have decided i dont like cappucino that much now:rotfl:

sandralovescats

Mike_St_Helens wrote:

Hiya guys.. the OR told me SKY is a No No.. I submitted these figs to debtquestions & the Insolvency service for their opinion and they said these look generally OK...

OUTGOINGS
Mortgage £470.00
Council Tax £100.00
Building Insurance £35.00
Gas £50.00
Electricity £50.00
Water £30.00
Christmas / Bday / Hols £60.00
TV Licence £12.00
Telephone/PAYG Mobile £50.00
Road Tax/MOT £20.00
Car Insurance £40.00
Petrol/Public Transport £200.00
Car Maintenance £40.00
Breakdown Cover £10.00
Food/\Household Goods £320.00
Dry Cleaning £20.00
Clothing/Footwear £40.00
Haircuts £20.00 £10.00
Asthma 'swimming' £30.00
Prescriptions £15.00
Dentist/contact lenses/Glasses £15.00
Pet Insurance £10.00
Pets £25.00
Total Expenditure £1,662.00
Total Income £2,000.00

These are only draft figs and may be adjusted somewhat... But it shows the jist of what you can and cant claim ...

Hi Mike,

I don't want to pick holes in this or anything but I am a little surprised at some of the expenditure. I am assuming this is for one person?

Do they allow for Dry Cleaning?

Re prescriptions - if this is for one person, you would better off paying for the yearly card, which is currently £95.xx and would save you money.

My DMC said you could only claim £20 per month for clothing/footwear

My DMC said I cannot claim for Christmas/b'days/holidays


Just my thoughts!

goonergirl

gettingitsorted wrote:

Have decided i dont like cappucino that much now:rotfl:

them machines probably not very good anyway! probably wouldn't want one!


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sandralovescats

rog2 wrote:

Hey Scoot - I can see that this whole process is worrying you, so please can I offer you some advice?
Go and make yourself a cup of coffee and sit down with a pen and paper, then write down ALL of the things that worry you.
Don't worry if it is a long list, or if you have already asked the question.
Once you have made your list, post it on here then we'll be able to advise you a bit better as some questions will impact on others.
In the meantime - don't worry. Neither the judge, nor the OR, has any interest in trying to make you feel like a criminal or putting you down in any way. Bankruptcy is a way of dealing with a situation that would otherwise be considered hopeless. At ALL stages in the process the overriding interest of those people who are dealing with you is to sort out the situation.
You are one of a growing number of people who find themselves in this situation and bankruptcy will give you a genuine chance of putting the past behind you.
Once it is over, you will wonder what the hell you were worrying about.

Can I add something to this? I don't have my IVA proposals either. I sent the paperwork to the DMC whom perused it, telephoned me, went through all the details on my form for expenditure and income, then said I couldn't do an IVA and that I would be far better off going br. Nothing was ever sent back to me by mail, no letters, got nothing returned!

Mike_St_Helens

sandralovescats wrote:

Hi Mike,

I don't want to pick holes in this or anything but I am a little surprised at some of the expenditure. I am assuming this is for one person?

Do they allow for Dry Cleaning?

Re prescriptions - if this is for one person, you would better off paying for the yearly card, which is currently £95.xx and would save you money.

My DMC said you could only claim £20 per month for clothing/footwear

My DMC said I cannot claim for Christmas/b'days/holidays


Just my thoughts!

Its for 2 of us hun....

The birthday holiday thing is simply a 'lets see if we can' as said its only draft and the insoolvency service sent me those things that we could claim ffor... We both went B remember, so there are 2 of us in the budget...

Im not sure if J has ever looked at the yearly thing... I think its juts that its a lot £95 all at once...