soa and husbands income

rock_queen

I haven't actually come here to have debates about car insurance and who is the owner and who drives it more etc.

I have come here looking for advice on my soa as I am going bankrupt next week and need to make sure my figures are correct and whether they will be allowed or not. As I have mentioned before I am covering everything as I am the only one working. If that means that I shouldn't pay the insurance for my husbands car then so be it. Just tell me. If my husband is expected to contribute to rent/fuel etc when he only has JSA then I need to know. Am I allowed £20 entertainment? am I allowed £20 holiday fund? am I allowed an emergancy fund? Through my research it seems as though I am but I would like to know for sure from people who have been there and done it.

fermi

arcon5 wrote: »

I went BR last month and they allowed £468 for 2 adults & a baby.

The ONS averages for last years HES was £463 for 2 adults and 1 child. So that sounds about right.

fermi

IPA calculator Post 01 December 2010

Useful link, but don't duplicate the guidance figures if you don't actually need to spend that much. Conversely, you can go over if there is a real need. Guidance mean guidance. Not a unmovable upper limit.

rock_queen

Brilliant thanks for that Fermi

mattannar

rock_queen wrote: »

I haven't actually come here to have debates about car insurance and who is the owner and who drives it more etc.

I have come here looking for advice on my soa as I am going bankrupt next week and need to make sure my figures are correct and whether they will be allowed or not. As I have mentioned before I am covering everything as I am the only one working. If that means that I shouldn't pay the insurance for my husbands car then so be it. Just tell me. If my husband is expected to contribute to rent/fuel etc when he only has JSA then I need to know. Am I allowed £20 entertainment? am I allowed £20 holiday fund? am I allowed an emergancy fund? Through my research it seems as though I am but I would like to know for sure from people who have been there and done it.

So happy to commit fraud and get upset when posters point it out.

kepar

As Mattannar asks why do you need to run to cars.
Get your husband a bike, he can cycle to and from the bus stop.

di17

when my partner went br he included my wages etc and we put down all incomings/ outgoings even put down emergancy 50 pound and it was fine they never questioned it. We never had anything to pay out.:)

alastairq

ref the cars?

I take it only you [OP] are petitioning for BR, and not OH as well?

You may well be able to have your car exempted as an asset....and the running costs can be included on your SOA.


However, with your OH also having a car , there may be issues...

If OH actually 'owns' the other car, it need /should not be put down on your petition as an asset [your car will need to be listed as such, however].

The running costs of one car [yours], as above, will be allowed. Those of OH's car will not.

However, that doesn't mean , in the end, you cannot 'fund' OH's car's running costs...just that they will have to be 'found' from elsewhere within your SOA.

Who are the Registered Keepers of the cars? [you, OH, or both of you?]

rock_queen

Thanks for your helpful comments. I will include husbands JSA as an income and see what they say. Its just me going bankrupt as all the debt is mine. I'm not worried about having to pay anything out, I'm just glad that now one of us is working again.

I'm the owner and registered keeper of the old banger and my husband is the owner and registered keeper of his. I will just put down the running costs for mine and do as you suggested about finding the other car costs elsewhere.