Bankruptcy Statement of Affairs advice please

bobnojob

Hi,
another with a need for advice please.
I have drafted an approx soa, not sure how accurate it is until ive double checked some receipts and bank etc but wondered what if anything i am missing?
Any advice is appreciated, many thanks in advance

Household Details
Name
Number of people in my household 5

Income Monthly
Contribution of Household Members 702
Child Tax Credits 719
Working Tax Credits 286
Child Benefit 204
Housing Benefit 412
Council Tax Support 60
Total Income 2,383.00

Outgoings Monthly
Rent 606
Council Tax 65
Food, Toiletries and Cleaning 727
Electricity 70
Gas 85
Water 45
TV Licence 12
Clothing and Footwear 175
Telephone (Landline only) 25
Telephone (Mobile) 30
Travel - Public 65
School Meals 17
Hairdressing & Personal Care 36
Opticians 9
Pet Food 22
Broadband Costs 10
Car Insurance 51
Car Tax 20
Petrol 170
MOT & Car maintenance 35
Breakdown Recovery AA 4
Parking 13
School trips 6
House maintenance & repairs 25
Total Outgoing 2,323.00

Disposable Income Monthly
Total Income 2,383.00
- Total Outgoing 2,323.00
- £10 Emergency and Sundries Allowance for each dependant person in household 50.00
Disposable Income 10.00


I live with my partner and 3 children, 16, 12 & 12.
I am unemployed, my partner works part-time, we are not married.
We are not married, I have no assets, the car is my partners, which i use to drop off the kids and take her to work when she is unable due to work times, otherwise she drives herself.
She is the only earner and pays for the bills, which are now all in her name. She has no debts. Mine are all unsecured credit debts from when i worked.

egrescrimp

£727 is fairly high for food and stuff, they may not accept that but if that's what you spend you may have to prove it.

3 children, your school trips should probably be double that per month as these trips aren't cheap

Are you sure school meals is only £17? That would cover a week for one of my children at their school.

Don't any of them do any do activities such as swimming after school?

TheGardener

The income isn't quite clear - you have no income other than benefits - do you claim TC's and CB for all 3 children?
You need to differentiate between your income is and then how much your partner contributes to the household budget.
If you have no assets and no income other than benefits, I'm guessing you are not going to get an IPA anyway.
However, the food costs even for 5 of you are very high - I would expect a good diet for a large family on £500 a month, unless there are specialist diets for medical reasons? I would seriously have a rethink on the food budget as part of your 'new' budget for your post BR life.

bobnojob

egrescrimp wrote: »

£727 is fairly high for food and stuff, they may not accept that but if that's what you spend you may have to prove it.

3 children, your school trips should probably be double that per month as these trips aren't cheap

Are you sure school meals is only £17? That would cover a week for one of my children at their school.

Don't any of them do any do activities such as swimming after school?

The groceries cover all meals including packed lunches on 4 out of the 5 days. It works out below £2.00 per person and is approx the total of grocery shopping through the week, normally 3 seperate trips throughout the week, split due to waiting for payments, on the tuesday then the friday. I take my son boxing and they all go to youth club on saturdays but they rarely get pocket money, we dont have it.
School trips i think come in about £5-£15 each approx every 6 months or so, so will have to check.

bobnojob

Its difficult trying to work out exactly how the budget gets split, all i know is that its very hard making it stretch and we are left without a proverbial *** to **** in each week. We hang out for pay days, then can't believe where its gone, as myself and my partner don't go out, we don't have holidays, we don't have sod all.

bobnojob

Also, my question is, how am i meant to prove all the outgoings where I do not have any income of my own and my partner is responsible for all these outgoings? I am not on any bills now and she isnt going bankrupt. I am.

egrescrimp

You don't need to prove all your outgoings so long as they are reasonable, the only time you'll be asked for proof is if the examiner believes you are claiming too much for something. A good example would be trying to say your energy costs each month are £300, you would need to provide evidence of such a high utility bill but if you put down what a typical family uses of say £140 per month the examiner would probably be satisfied with that.

Would your children not benefit from eating a good cooked school meal, specially in the winter? So to confirm does the grocery bill include the cost of packed lunches? Even with that £727 is still very high, are you sure this is accurate?

If your income is soley made up of benefits the examiner may not even look at your SOA because you aren't earning an income.

bobnojob

I have re-estimated, as I hadnt put in my partners contents insurance

Household Details
Name
Number of people in my household 5

Income Monthly
Contribution of Household Members 702
Child Tax Credits 719
Working Tax Credits 286
Child Benefit 204
Housing Benefit 412
Council Tax Support 60
Total Income 2,383.00

Outgoings Monthly
Rent 606
Council Tax 65
Food, Toiletries and Cleaning 717
Electricity 70
Gas 85
Water 45
TV Licence 12
Clothing and Footwear 175
Telephone (Landline only) 25
Telephone (Mobile) 30
Travel - Public 65
School Meals 17
Insurance Policies (except motor) 10
Hairdressing & Personal Care 36
Opticians 9
Pet Food 22
Broadband Costs 10
Car Insurance 51
Car Tax 20
Petrol 170
MOT & Car maintenance 35
Breakdown Recovery AA 4
Parking 13
School trips 8
House maintenance & repairs 25
Total Outgoing 2,325.00

Disposable Income Monthly
Total Income 2,383.00
- Total Outgoing 2,325.00
- £10 Emergency and Sundries Allowance for each dependant person in household 50.00
Disposable Income 8.00


Is there anything i may hacve forgot? or anything not allowed?

thanks

bobnojob

yep, groceries includes everything including 4 days of packed lunches. My 16yr old eats the equivalent of a couple of men just on his own!!, he's about 6 ft and still growing

bobnojob

I have amended the phones as me and my partner have phones, £15 each and my son also has an ee payg which we credit £15 per month. My missus and me did have contract phones but they will go into bankruptcy as stipulated in their t's & c's. So have got payg sims instead, which are just as good a deal nowadays

bobnojob

bobnojob wrote: »

I have amended the phones as me and my partner have phones, £15 each and my son also has an ee payg which we credit £15 per month. My missus and me did have contract phones but they will go into bankruptcy as stipulated in their t's & c's. So have got payg sims instead, which are just as good a deal nowadays

Household Details
Name
Number of people in my household 5

Income Monthly
Contribution of Household Members 702
Child Tax Credits 719
Working Tax Credits 286
Child Benefit 204
Housing Benefit 412
Council Tax Support 60
Total Income 2,383.00

Outgoings Monthly
Rent 606
Council Tax 65
Food, Toiletries and Cleaning 700
Electricity 70
Gas 85
Water 45
TV Licence 12
Clothing and Footwear 175
Telephone (Landline only) 25
Telephone (Mobile) 45
Travel - Public 65
School Meals 17
Insurance Policies (except motor) 10
Hairdressing & Personal Care 36
Opticians 9
Pet Food 22
Broadband Costs 10
Car Insurance 51
Car Tax 20
Petrol 170
MOT & Car maintenance 35
Breakdown Recovery AA 4
Parking 13
School trips 8
House maintenance & repairs 25
Total Outgoing 2,323.00

Disposable Income Monthly
Total Income 2,383.00
- Total Outgoing 2,323.00
- £10 Emergency and Sundries Allowance for each dependant person in household 50.00
Disposable Income 10.00