I am finally going to be apying for bankruptcy next month or September. 

I have recently been doing overtime to stay afloat and manage unexpected expenses etc.

With a change in my circumstances with my child I will no longer be able to any overtime so my next 2 payslips will be my basic salary.

How will this work for calculating my income for an IPA, I don't believe I will be on an IPA however I know my expenses may not agree with OR.

My worry is will my past payslips with overtime be included as regular income when I will no longer be getting it once I will get a chance to explain to the OR about this?

To be prepared how much past bank statements will I need to send or will they have access to my accounts to see direct?

Thank you


  • luvchocolate
    luvchocolate Forumite Posts: 3,183
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    Hi you be able to explain the difference on the form and also with the examiner at your telephone appointment. 
    I had to provide 2 years bank statements and 1 year credit card statements 
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