off sick..about to go bankrupt

sherr

Cheeky_Monkey wrote: »

Or go back to work!

The OP has already had a year off sick and is presumably receiving treatment so it shouldn't be unachievable. Afterall, she is running a home and looking after four children so she is able to function!

Thanks for that, like I don't already feel bad enough!!!! I haven't been off for a full year, it's on and off as I have really been trying and going back but have such bad anxiety at times I can't leave the house. How do you know I am functional? Also I said I was going back with reduced duties and hours so my pay will be less.
I worked my !!!! off previously running a household and holding down a job, working nights, not sleeping and then looking after the kids, I had a melt down as I was doing too much!

Somerset

sherr wrote: »

That isn't my partner's salary, just his contribution to the household bills, he pays the rent, car insurance etc. This is what is asked on the form I believe rather than his actual income?

I think for this SOA you put in his full income. Otherwise you're comparing apples and pears. It's total household income less total household costs.

tigerfeet2006

Somerset wrote: »

I think for this SOA you put in his full income. Otherwise you're comparing apples and pears. It's total household income less total household costs.

No, for a BR SoA you put what the partner contributes to the JOINT household bills. The OP has done the correct thing.

luvchocolate

great reply Colbalt77 very well summed up.
op take advice from posters who have gone through b.r we'll set you straight.
You are doing fine so far x

LoveLifeAgain

MEM62 wrote: »

The next bit is where I get slated - is the dog affordable? You have vet bills and food costs and I expect that these are not cheap. You seem to be really up against it financially so I may consider re-homing the dog.

I don't have a dog, but......
Are you for real?..:eek:

sherr

I could add £108 a month for childcare as the little one starts at the end of the month with the view to me going back to work (I am still employed and they are looking for another position for me). Is there anywhere else I could tweak? I'm calling step change later this evening but unless my surplus is under £50 I'm guessing they won't recommend a DRO.
Thanks to all

Cobalt77

sherr,

It's also very worthwhile calling National Debtline ( https://www.nationaldebtline.org/ ), who are another free debt advice charity (you may see posts on this forum from Dennis, who is from National Debtline)

While both organisations are good, it is always wise to get a second opinion as they may sometimes miss things, or look at things from a slightly different perspective.

Having worked in a personal advisory capacity for 20+ years, I have first hand experience of asking the same simple question to two different solicitors - and receiving two totally different answers! It's often the same with doctors, dentists, accountants, vets and even debt advisers!

Finally (and at the risk of sounding like a cracked record, lol ) in your original post you said "..... going back to work at some point on reduced duties and hours". Would it be at all possible for you to choose (or set) the hours you work?

From what you've said, you have no assets (i.e. no house & mortgage) aside from a car (probably only worth £1,000 at "trade" value) and your total debts are below £20,000. If you can get your monthly disposable income below £50 - say by working slightly fewer hours each month - then a DRO is the best way to go.

This is EXACTLY why the Government created DROs in the first place, as a "low cost" alternative to BR - all of the benefits, but without the ridiculous fees.

alltaken

BR fees are due to change significantly in just a couple of months time, no court appearance either which for people like yourself is fantastic. If the suggested DRO doesn't workout remember the fee is due to be changed in April.

Keep plodding along and ignore the plonkers who believe they are giving cold advice, they are giving you cold advice about the dog because they get off on it. It's like dressing up as a baby and asking someone to change your diaper, a fetish of sorts. Your problems are being dealt with, their problems are not so easily sorted out.

I like to think that although some have it better than I, I am bankrupt, but at least I'm not trawling forums looking for the financially and mentally troubled to get my kicks.

Far greater people than the plonker getting off in the corner, Judges, UK wide law makers decided long ago that you can keep your family pets when facing hardship. Far more intelligent people, Doctors if you will, realised looking after 4 people doesn't mean you are automatically fit and ready to go about doing something else, not everything is as simple as the member telling you to lose the dog...

tomtontom

Cobalt77 wrote: »

On reflection, perhaps I should have been more forgiving of MEM62?

After all, a small number of people apparently derive sexual gratification from frequenting places like cancer sufferer groups, AA meetings and online support forums (like this one) - even though they have never been affected personally.

You may recall seeing this in the movie "Fight Club", where the Narrator and Marla Singer (a female character) met at a testicular cancer survivors meeting. It was then revealed how they both spent every night of the week attending all kinds of rehab, illness and support groups just to get their thrills.

Perhaps Martin Lewis should set up a separate dedicated forum area to help these poor individuals? Then, they wouldn't need to frequent our little forum

You're comparing cancer sufferers to people like yourself who openly admit to fraudulent actions - how offensive can you be? There are people that are legitimately struggling on here, through no fault of their own, it comes across that you are trying to involve yourself with them to make yourself feel better for your own wholly self inflicted mess. That's pretty twisted, maybe you need to look at your own actions before criticising others

Cobalt77

tomtontom wrote: »

You're comparing cancer sufferers to people like yourself who openly admit to fraudulent actions - how offensive can you be?

tomtontom, is seems I do appear to have hit a nerve with that one.

Just for complete clarification, are you accusing me personally of fraud? If so, would you be kind enough to make a clear and unambiguous statement to that effect here on this thread within the next 24 hours?

I look forward to your response in due course.