some help needed with 6.28 form

22bear

Hi all! So I'm filling in my forms and I've got some questions:

-the bit on declaring assets- I'm renting a one bedroom furnished flat and in it all I have of mines is a telly bought last year for £300, my bedding (4 sets from John Lewis/Debenhams), my clothes (nothing extravagant there!) but I do have quite a lot of books for my previous and current studies..I bought them all over the last 3-4 years and probably spent around £1000 on them in total but many of them are already out of date with new editions published since...I know that the OR won't be interested in them but the guidance notes say that I must include things like clothing, bedding and books.

Are they referring to REALLY valuable items or do I really need to disclose these? I haven't a clue what to put down as value for them

Also, the question on gambling? Does spending about £20 per month on online national lottery tickets count? I've never used any credit to fund this, all my debts are pre-2009, so do I need to declare it on the form?

watcher27

They are only interested in individual items with values of over £1000 like jewellery etc.

So no need to list any of your personnel possessions etc:)

fermi

The guidance notes state:

You do not need to list your clothing or household furniture unless they are of particular value.

And personally I would apply the same principle to the other things you have mentioned. They are of no great value. Certainly not 2nd hand.

Most people who I've ever seen fill out the forms have left things of that sort of value off as inconsequential, and I don't recall it ever being an issue.

22bear

watcher27 wrote: »

They are only interested in individual items with values of over £1000 like jewellery etc.

So no need to list any of your personnel possessions etc:)

Thanks, Watcher...and the lottery tickets? I'm feeling a bit guilty now for playing it (and cheesed off that that elusive win never transpired to clear my debts!!) and worried that the OR might take a dim view of me previously spending £20 each month on it, but as they say, ya gotta be in it to win it!:rotfl:

adpod

22bear wrote: »

Hi all! So I'm filling in my forms and I've got some questions:

-the bit on declaring assets- I'm renting a one bedroom furnished flat and in it all I have of mines is a telly bought last year for £300, my bedding (4 sets from John Lewis/Debenhams), my clothes (nothing extravagant there!) but I do have quite a lot of books for my previous and current studies..I bought them all over the last 3-4 years and probably spent around £1000 on them in total but many of them are already out of date with new editions published since...I know that the OR won't be interested in them but the guidance notes say that I must include things like clothing, bedding and books.

Are they referring to REALLY valuable items or do I really need to disclose these? I haven't a clue what to put down as value for them

Also, the question on gambling? Does spending about £20 per month on online national lottery tickets count? I've never used any credit to fund this, all my debts are pre-2009, so do I need to declare it on the form?

I listed my £5-£10 per week I spent on gambling (national lottery/scratch cards) and they said it was very serious and I might end up with a BRU for god knows how long.....

If you mention it on the form they could do the same to you but if you dont and they question it then you could be in more trouble....tough choice

22bear

adpod wrote: »

I listed my £5-£10 per week I spent on gambling (national lottery/scratch cards) and they said it was very serious and I might end up with a BRU for god knows how long.....

If you mention it on the form they could do the same to you but if you dont and they question it then you could be in more trouble....tough choice

Gulp!

I would have thought such "gambling" is quite usual and acceptable in society, particularly when endorsed by prime time BBC TV AND Dale Winton for crying out loud!!:D...I had thought the gambling question always referred to running up gambling debts by going to the bookies and casinos and blowing considerable amounts of money at a time and that that was likely to attract a BRU...I always check the latest people listed on the IS website who get BRU/BROs and I've never seen one where modestly playing the National Lottery every week has been a conduct issue but then maybe they aren't that explicit in their reporting, but surely even the lowest BRU period of 2 years for spending £20 a month on putting a few lottery lines on is completely disproportionate, no? Especially if conduct of the bankrupt with regards to everything else has no issue?

...anybody else care to chip in with a view? I can't exactly not mention it because I buy my tickets online and my bank statements will show it!!

And while I'm thinking about the fairness of that...would they give a BRU to a smoker who buys a packet of fags every day prior to going bankrupt? That's far more money per month than the amount than I have ever spent on lottery tickets per month pre-bankruptcy!

So pre-bankruptcy, does the OR class buying tobacco products the same as spending money on drugs? If not then surely playing a couple of lines on the National lottery every week shouldn't be considered serious gambling as such? Maybe I'm wrong, I dunno!