Help with outgoings

jenniferross

There are two of us in the household but my flat mate is obviously nothing to do with this and knows nothing about my situation. Do you think i would get away with saying £560 for rent? I can provide proof of car insurance, i have no no claims!!

Also if you dont me me asking, who did you deal with. I have been assigned KPMG who i hear are awful! And dont feel you have to answer this but how much do you pay back per week?

confused76

i would quote your true rent and they will see from your bank statements how much it is anyway

jenniferross

How does this look now?

Monthly Income Details[/b]
Monthly income after tax................ 1224
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1224
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 560
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 25
Petrol/diesel........................... 110
Road tax................................ 14.33
Car Insurance........................... 61
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 15
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 1075.33

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

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

Monthly Budget Summary
Total monthly income.................... 1,224
Expenses (including HP & secured debts). 1,075.33
Available for debt repayments........... 148.67
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 148.67

tigerfeet2006

How much is the actual rent for the house and what is included in the rent?

jenniferross

I dont have a bank account now, it has been frozen so working with cash. So they wont really be able to look into my statements

It is a council house i am living in with a flat mate, however she was living alone prior and has lost her single person discount and now has me staying with her. My rent includes council tax, tv license, gas and electricity.

tigerfeet2006

jenniferross wrote: »

How does this look now?

Monthly Income Details[/b]
Monthly income after tax................ 1224
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1224
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 560
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 25 £40
Petrol/diesel........................... 110
Road tax................................ 14.33
Car Insurance........................... 61
Car maintenance (including MOT)......... 20 £30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10 £20
Pet insurance/vet bills................. 10 £20
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0 Get yourself some with accidental damage. £20ish
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 15 not allowed
Holiday................................. 0 £25
Emergency fund.......................... 10 most OR's won't allow
Total monthly expenses.................. 1075.33

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

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

Monthly Budget Summary
Total monthly income.................... 1,224
Expenses (including HP & secured debts). 1,075.33
Available for debt repayments........... 148.67
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 148.67

Get yourself a Co-op Cashminder (do it over the phone, you can use the Post Office to deposit money, use any cash machine, have DD's&SO's, phone and internet banking 08457 212 212) or Barclays Cash account (open in branch, use cash machine, have DD's&SO's)

The trustee will most likely want to see proof of your rent and how much you pay.

jenniferross

I have applied for a cashminder account so should receive the account number through soon. I'm not sure how i can prove my rent etc as i dont have a bank account and i just give my friend the money monthly

jonliv

jenniferross wrote: »

There are two of us in the household but my flat mate is obviously nothing to do with this and knows nothing about my situation. Do you think i would get away with saying £560 for rent? I can provide proof of car insurance, i have no no claims!!

Also if you dont me me asking, who did you deal with. I have been assigned KPMG who i hear are awful! And dont feel you have to answer this but how much do you pay back per week?

I was dealt with the AiB themselves

He did ask to see the lease on my home and my insurance policies

He did get my last months statements from my bank

I was allowed money for entertainment (£16) emergencies(11) internet (10) and moby(30)

I have not heard that about KPMG

Get your figures straight in your head and stick with them

The allowable exp are different in Scotland

No IPA for me yet may change if I can get a job They are contacting me again after six months

Jono

jonliv

jenniferross wrote: »

I dont have a bank account now, it has been frozen so working with cash. So they wont really be able to look into my statements

It is a council house i am living in with a flat mate, however she was living alone prior and has lost her single person discount and now has me staying with her. My rent includes council tax, tv license, gas and electricity.

A letter from your flatmate to say how much you contribute will suffice

£563 per month is £130 per week that is what you ARE paying

Jono