My SOA

macman

utterly_ashamed wrote: »

She wouldn’t be able to sell the handset however ...

I’m looking to keep my contract phone as I don’t want to include it in the BR because I’ll never get another one. I use my phone for most everything - watching tv, selling on eBay, work e mails etc etc. I also need this phone number because I’ve had it for years and im under so many teams for my health (I had cancer) and they all have this contact number. I don’t pay any sort of tv package such as sky or even now tv anymore and my internet is dirt cheap so I’m hoping il’ll be allowed this small ‘luxury’!

Er, you just port the number over when you move to a cheaper phone. No one is suggesting not having a mobile, but you don't need to spend £1,320 on a phone over 24 months as the OP has done. £50 for a SIM free one and a fiver a month for a SIM only contract. £170 for 2 years.

macman

utterly_ashamed wrote: »

You can’t sell a phone whilst it is still in the contract period. It’s basically a hire purchase agreement. The phone isn’t hers to sell as yet.

Yes you can, and yes it is. It was hers to sell from day one of the contract. The only obligation to the provider is to keep paying the monthly fee until the minimum term ends, which is a payment for the airtime contract, not for the handset.
It is not an HP contract, for which the terms and conditions are totally different.

Kimberley

macman wrote: »

Good-so you just saved £440.
Yes you can sell the mobile. The contract is for the airtime, not the handset. You could have sold it the day you bought it. £55pm is incredibly high and must mean a top-end iPhone or Galaxy, so that should be another £500 saved.
You are spending £1,656pa on energy-that is way above the average, so you need to review your kWh usage and tariff: BG are not a cheap supplier.

The contract is for the phone too. I pay for the tariff and a seperate amount for the handset.

I will look into getting cheaper energy in the morning.

Kimberley

iammumtoone wrote: »

I think you should view it as you need to start looking at how many other average (if there is such a thing) people live.

Take me for example I would never spend £60 on clothes a month, I can't remember the last time I purchased new, most of my clothes come from charity shops. I can't afford the newest smart phone I have one a few generations old where I pay £20 a month. I couldn't afford a gardener I don't know anyone who can, I do know people who help out with their parents gardens. My hair gets a £15 cut every 4 months.

Pet insurance I agree you need to keep this no one is going to expect you to get rid of your pet, but there are people who simply don't have pets as much as they would like too as they can't afford them.

How old is your son? Is he an adult when my son reaches adulthood I will not be paying for his phone. I do currently pay a contract for him but it is sim only (capped at £10 per month spend) he has a secondhand phone, if he wants a decent one he can save up for it out of his birthday/Christmas money.

Work lunch is a luxury to many, they take sandwiches.

This is not meant to be a 'get at you' post. Bankruptcy is there to give people a second chance anyone can make a mistake and I am not saying you don't deserve that opportunity. I am just trying to point out how your wanted expenditure looks to a lot of us who are not in a need to go bankrupt situation, we can't afford to spend on some of the things you are asking for.

I wish you the best.

My dog is 8 so no way would i get rid of him and because of his age need the higher end insurance. His food is a special prescription one so that is why it is high.
My hair i will cut it to £5 a month then.
Gardening i can scrap then.
I will transfer my sons mobile over to him then if it’s allowed.

fatbelly

Kimberley wrote: »

Can someone check this? I know I will have an IPA. That is not a problem but I just cannot afford the minimum payments on my CC anymore. They anounted to over £550 a month and that was just the minimum payment.
I’ve had to do this by hand as I have no computer to do this the other way.

Basic Wages fluctuate between £380-£410 a week after tax
£60 a month from Son (works part time)
£125 a month from Daughter (moving out soon)

£1705 approx a month income

Animal Healthcare (vets) 13.40
British Gas (soon going up) 138.00
Pet Insurance. 31.37
Work Union. 10.00
Car tax. 13.12
EE broadband. 32.39
Car Service/MOT 18.10
Car Ins. 41.56
02 (mine). 55.01
Sky. 10.00
Water. 34.98
Home contents Ins. 9.14
TV license. 12.37
Rent. 484.36
Council Tax. 121.00
Prescriptions (2 lots) 14.00
Pet food. 13.00
Groceries. 320.00
Petrol. 110.00
Clothes. 20.00
Medical/Dentist 15.00
Presents. 20.00
Haircuts/Colour (Every 6 weeks) 20.00
Entertainment. 15.00
Work lunch. 14.00

Total. 1749.31



Assets 1 Car worth 850 as private poor

Debts

Halifax 4,128
MBNA. 8,342
Lloyds. 6,465
Tesco. 2,626
Barclaycard 7,688
Natwest. 1,184
Natwest OD. 1,200
Argos. 628
Debenhams/Newday. 1,175

Total debts although will be more now with missed payments 33,446 approx

Looks fine to me

Have you missed road tax on the car?

Don't know why you think you will get an IPA - you are already negative £45 if your adding up is correct. However, see my next post it may not be

utterly_ashamed

I’m not going to argue about it but selling a mobile whilst still in the contract period is a dodgy area. You’re paying for the handset up to a certain point. And if you sell the phone and stop paying the contract the phone will be blacklisted and useless.

However, back to the original post! GB energy is worth looking at - their tariffs are really reasonable. Also eBay can be great for clothes etc. You can even pick up some used designer bits and pieces for next to nothing!

macman

utterly_ashamed wrote: »

I’m not going to argue about it but selling a mobile whilst still in the contract period is a dodgy area. You’re paying for the handset up to a certain point. And if you sell the phone and stop paying the contract the phone will be blacklisted and useless.

However, back to the original post! GB energy is worth looking at - their tariffs are really reasonable. Also eBay can be great for clothes etc. You can even pick up some used designer bits and pieces for next to nothing!

It's not dodgy at all. The handset is yours to do as you wish with. I didn't suggest stopping paying the contract! You continue to pay up to minimum term, and then cancel and switch to SIM-free. The point is that the revenue from selling it will pay the monthly charge for at least a year.

utterly_ashamed

I don’t understand how that helps someone who is declaring themselves bankrupt anyway? You’re still paying the monthly contract which will be included in your SOA?

utterly_ashamed

Unless you’re talking about future spending after bankruptcy.

fatbelly

Kimberley wrote: »

Basic Wages fluctuate between £380-£410 a week after tax
£60 a month from Son (works part time)
£125 a month from Daughter (moving out soon)

£1705 approx a month income

If we average your pay at 395 per week that gives

1712 income from earnings
£60 a month from Son (works part time)
£125 a month from Daughter (moving out soon)

£1897 approx a month income