Question 1.16 - Legal proceddings.

NoMoreExcuses

OOOhhhhhh! Ive got my boxing gloves on now - am whizzing through!!!

Richard_S

NoMoreExcuses wrote: »

So I do actually get the chance to explain things that dont actually make sense? Im sure there are a few things that are not on my equifax file. For example I had a HUGE powergen bill at my old property that isnt on there - do i include that?

Yes you do NME (get a chance to explain); that's the point I've been making. The Court papers are a summary, they don't need to be accurate; just to demonstrate that you're insolvent. The meeting with the O.R is where you offer explanations; believe me, we had a lot of explaining to do.:eek: :eek:

Richard_S

NoMoreExcuses wrote: »

OOOhhhhhh! Ive got my boxing gloves on now - am whizzing through!!!

Keep going while you're on a roll.:D

NoMoreExcuses

OUTGOINGS - DUN DUN DERRRRRRRRRRR!!!!!!!

Mum and 3 kids and dog (kids 13, 8 and 15 months..)

What to put for car expenses...anything else?

Richard_S

NoMoreExcuses wrote: »

OUTGOINGS - DUN DUN DERRRRRRRRRRR!!!!!!!

Mum and 3 kids and dog (kids 13, 8 and 15 months..)

What to put for car expenses...anything else?

Just a minute I need to look for a file......

Richard_S

Expenditure Budget

2 Adults and 2 Children

Home (Accepted)
Mortgage or Rent Actual
Groceries 450
Clothing 145

Home (Discretionary)
Household Maintenance 20
Laundry & Dry Cleaning 40
Internet 15
Mobile Phone 15

Utilities
Council Tax Actual
Gas and Electricity 75
Water Rates Actual
Telephone 55
Television 11

Transport & Travel
Breakdown Cover 8
Maintenance & MOT 40
Insurance 30
Tax 10
Petrol 70
Public Transport 60

Insurance
Buildings Insurance Actual
Contents Insurance Actual
Life Insurance Actual
Pet Insurance Actual

Family (Accepted)
Holidays 80
Hairdressing 30

Family (Discretionary)
Children's School Meal Actual
After school clubs and trips Actual
Childcare Actual
Dentist Actual
Prescriptions Actual
Opticians Actual
Pets Actual

Richard_S

Hi NME,

I've got this on an Excel file that won't paste properly on here; I can email it if it's not clear.

NoMoreExcuses

Holiday??????
I can claim for holidays?
Can i put after school clubs?

NoMoreExcuses

list of properties disposed of in the last 5 years.

Does this include reposessions?

Richard_S

NoMoreExcuses wrote: »

Holiday??????
I can claim for holidays?
Can i put after school clubs?

All the time I've been posting on here I've kept spreadsheets of Budgets I've done for people, and also copies of ones others have had accepted. This is an approximation of what is usually acceptable. I just need a way of posting it on here in a readable format.

That budget was for two adults and two children so holiday would probably be more acceptable at £60-£70pcm.

Put after school clubs if your children are attending them. The O.R will usually allow them if the parent(s) are working, or only allow part of them if not; that's why it's in discretionary; the O.R's discretion.:rolleyes: