Bankruptcy SOA

National_Debtline

The_Walking_Debt wrote: »

Thanks, good point about the electric, I've just changed supplier, so need to check. The £10 is for wood, not oil, but probably more thinking about it. Mobile phone is mostly used for business so that's personal use. Total for month is £13. The life insurance is funeral insurance, but a bit worried now that OR will take an interest if claims are made on my death. Would be interested if anyone knows if it's different from life insurance?

Hi again


Just wondering - does your reference to "business use" mean that you are in fact self-employed?


Dennis
@natdebtline

The_Walking_Debt

Yes I'm self employed, car is needed for business.

National_Debtline wrote: »

Hi again


Just wondering - does your reference to "business use" mean that you are in fact self-employed?


Dennis
@natdebtline

tigerfeet2006

I would put the £20 you are left with into Electric and Oil as they are low to cover winter.

I am not sure about the funeral insurance so I would check with which ever charity advised on the bankruptcy. Unless debt doctor, fermi or one of our other lovely experts can advise.

Darksparkle

What benefits do you receive?

The_Walking_Debt

Working tax credits...

The_Walking_Debt

[
Hi, I'm not left with £20. It's a minus figure

QUOTE=tigerfeet2006;70420709]I would put the £20 you are left with into Electric and Oil as they are low to cover winter.

I am not sure about the funeral insurance so I would check with which ever charity advised on the bankruptcy. Unless debt doctor, fermi or one of our other lovely experts can advise.[/QUOTE]

HappyMJ

Put £12 for TV licence anyway. You don't "have" to spend it in a TV licence you can use it for anything else. I use mine for Amazon, Netflix, Sky, DVD's and anything else I can think of that would otherwise be refused an a separate expense.

tigerfeet2006

The_Walking_Debt wrote: »

[
Hi, I'm not left with £20. It's a minus figure

QUOTE=tigerfeet2006;70420709]I would put the £20 you are left with into Electric and Oil as they are low to cover winter.

I am not sure about the funeral insurance so I would check with which ever charity advised on the bankruptcy. Unless debt doctor, fermi or one of our other lovely experts can advise.

[/QUOTE]

Sorry, my fault I didn't look properly. That's fine then if the OR disallows the funeral expenses then you still won't have a surplus for an IPA and if he allows it and asks how you are going to operate at a deficit just say you are going to try and rein in the groceries a bit.

Darksparkle

The_Walking_Debt wrote: »

Working tax credits...

Have you done a benefit check to see if entitled to anything else? Housing benefit or council tax support?