SOA review

warren100

hi abcdave,

Thanks, so should i up how much my girlfriend gives me on the form for BR? So currently she pays £460 towards rent and utilities except food and other household products. Should it be £660 she pays on the form then the shopping will be £400?

I was just a bit worried about putting that as she doesn't actually give me the money.

Thanks

National_Debtline

Hi Warren


As long as the figures add up the same one way or the other, I don't think it's particularly important whether you present them as one lump sum received from your girlfriend or you just reduce each of those bills by the amount she pays towards them.


Chances are that the Official Receiver will ask how much your girlfriend earns, so they can establish whether you are just paying your "fair share" of any joint household bills. This is pretty routine where there are two adults in a household but only one of them is going bankrupt.


Dennis
@natdebtline

abcdave

warren100 wrote: »

hi abcdave,

Thanks, so should i up how much my girlfriend gives me on the form for BR? So currently she pays £460 towards rent and utilities except food and other household products. Should it be £660 she pays on the form then the shopping will be £400?

I was just a bit worried about putting that as she doesn't actually give me the money.

Thanks

If she gives you £460 then that's what it is.

Look at it another way.. would the £250 buy everything the two of you need for a month? If not then you need to increase it. You just need to make sure you are not short changing yourself.

It's maybe difficult to get your head around, but you have to think money in and money out. For example, I pay all our rent, oil, electric etc and rarely buy any groceries.. My wife gives me about £100 per week. I still had a £400 cost against housekeeping, because that's what we spend as a couple.

Any clearer?

A

warren100

Thanks abcdave,

Yes and no lol.

I spoke to Step Change and they suggested i list what i actually only pay. I know its we spend as a couple . I presume that if the OR thought the amount was low they would adjust it?

I am worried about putting a cost that is not realistic both ways really.

Thanks

abcdave

When your income is treated as a couple then your expendtiture has to do the same (otherwise there would be no need to include your partners contribution at all)

I would rather be on the high side and argue my point with the OR if needs be, as opposed to being on the low side and relying on them upping it for me..

warren100

Sounds like good advise abcdave , cheers.

One last question, with my girlfriend who apart from the household bills, i have no financial connect. Going BR wont have any affect on her directly will it?

Thanks

egrescrimp

warren100 wrote: »

Sounds like good advise abcdave , cheers.

One last question, with my girlfriend who apart from the household bills, i have no financial connect. Going BR wont have any affect on her directly will it?

Thanks

Correct, it won't impact her at all