SOA conundrum

maxmycardagain

Mr & Mrs A have no joint debts/accounts/assets


Mrs A has no debt and earns £900/month nett


Mr A earns only £400/month nett and has £30,000 worth of debts


The joint household bills are £800/month


For the purposes of a BR/DRO SOA what "costs" does Mr A put down,
half? (i.e. he has no surplus)

TIA

maxmycardagain

difficult question then... lol

Annie35

IF you put both incomes I think it'd assume 1/3 for Mr A & 2/3 for Mrs A

Unless Mrs A doesn't wish to be involved & is blank, then you could assume 1/2 ea.

(Obviously not always that simple & could depend on bill paying habits shown on bank statements)

maxmycardagain

Annie35 wrote: »

IF you put both incomes I think it'd assume 1/3 for Mr A & 2/3 for Mrs A

Unless Mrs A doesn't wish to be involved & is blank, then you could assume 1/2 ea.

(Obviously not always that simple & could depend on bill paying habits shown on bank statements)

The SOA is purely for the BR affairs though so any 2nd income to the household is of no interest to the IS? (as there is no asset or house for equity)

I think 50/50 is fair

silvercar

With the bankruptcy, Mr A will no longer be servicing his debts and can therefore contribute his full share of the household bills, so what his bank statements show for the pre-bankruptcy time will necessarily change.

If Mrs A decides that her income is private, as is her right, then the OR will need to assume a 50/50 split.

maxmycardagain

Mr A can still have his SOA "allowances" though, and £400 PCM will soon go in haircuts, holidays, shoes and bus fares

silvercar

maxmycardagain wrote: »

Mr A can still have his SOA "allowances" though, and £400 PCM will soon go in haircuts, holidays, shoes and bus fares

Absolutely, I was just justifying why the OR looking at old bank statements would not be a guide to future spend patterns. With debts gone, Mr A won't have to struggle to meet his "share" of household expenditure and can spend reasonable amounts on his personal needs.