SOA Advice Needed please

Smokey_Joe

My wife and I will both be filing for bankruptcy soon and were hoping someone might advise on the SOA below. Between us we have unsecured debt of around £47,000 and no assets. Any questions please ask and I will answer as soon as I can, other commitments may mean there's a delay in answering for which I apologise in advance. Please be gentle with me as I'm fragile right now. I'm not looking for judgement, merely for help and advice, so please play nice. Thanks for any help.

Statement of Affairs
Household Information
Number of adults in household........... 2
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................................ 1852
Other income............................ 0
Total monthly income.................... 1852
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 389
Management charge (leasehold property).. 0
Council tax............................. 86
Electricity............................. 48
Gas..................................... 48
Oil..................................... 0
Water rates............................. 32
Telephone (land line)................... 24
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 27
Internet Services....................... 11
Groceries etc. ......................... 500
Clothing................................ 40
Petrol/diesel........................... 110
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 240
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 90
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 20
Entertainment........................... 45
Holiday................................. 40
Emergency fund.......................... 20
Total monthly expenses.................. 1852

(Originally posted in Debt Free Wannabee forum in error)

HappyMJ

The only thing I'd do is put the TV bill together with the internet and put the whole figure under the telephone @ £60 a month. It's all one bill isn't it? For the best deal it should be. No need to break it down into it's component parts.

You'll have to explain the petrol @ £110 with no allowance for tax, MOT or insurance.

Some of the figures are a little high but you can only try.

You get a lot of benefits for having no children. Is that right?

minic

Hi Smokey Joe,

If you and your wife's only income is from state benefits then you will not get an IPA so the figures on your SOA won't be looked at by the OR.

I'm assuming that your query relates to the allowances to be agreed with the OR when determining whether an IPA is payable or not? If you are looking for advice on cutting your costs I'm sure others will be able to advise on that but as I say if your only income is benefits no IPA will be set up unless you gain employment prior to discharge.

Best of luck

M

tallyhoh

Could you explain the travel & petrol costs, it looks odd because you have no MOT, tax etc down.

rossireps

if solely on benefit,how come you pay council tax? or is that a stupid question

debt_doctor

rossireps wrote: »

if solely on benefit,how come you pay council tax? or is that a stupid question

I suspect that the op has put council tax benefit and housing benefit in the income section, so has counted them in the outgoings.

DD

exarmydreamer

It's possible the OP has included in his income his HB and CT and then shown them as deductions on his/her SOA. OP and partner may have disability payments or disability pensions like forces, (we don't know) so it might be worth stopping the debate on benefits as it was me who referred op to here from the DFW board.

I know benefits are a touchy subject, but we are all here to advise not judge.

debt_doctor

tallyhoh wrote: »

Could you explain the travel & petrol costs, it looks odd because you have no MOT, tax etc down.

Could well be a motobility car, so fuel only.

DD

exarmydreamer

debt_doctor wrote: »

Could well be a motobility car, so fuel only.

DD

Exactly, to many assumptions and not enough information. In turn may have completely scared off OP.

luvchocolate

£500 for food is an awful lot for 2 people

rossireps

exarmydreamer wrote: »

It's possible the OP has included in his income his HB and CT and then shown them as deductions on his/her SOA. OP and partner may have disability payments or disability pensions like forces, (we don't know) so it might be worth stopping the debate on benefits as it was me who referred op to here from the DFW board.

I know benefits are a touchy subject, but we are all here to advise not judge.

well they wont be judged by me,it was a genuine question as im on is at the moment and wondered