Merry's Bankrupt Life - OR Interview tomorrow - 07.07.08!!

blind-as-a-bat_2

When you go BR you do so as an individual but as you both have gone BR im sure your examiner will cross referance things, as for who is paying what as long as the % is proportianal to earning it shouldnt be a problem at all

I know what you mean though about it making it difficult to break down things from a joint account the golden rule though is if the examiner asks what a transaction was for and you dont know iether because it was made by your OH, or that you really just dont know then say so and stick to that regardles of what the examiner thinks

As for the moveing expenses DD etc you really do need to talk to the examiner about that and see if you can reach agreemant to release the accounts,

From what you have said it is probebly because there is more in there than would be deamed as household expenses so the examinour needs to know why ASAP

Merry_Gentry

Thanks Bat :beer:

It does look really flush at the moment, but the CSA payment hasn't been taken yet, and both my and H's salary have just hit. We will have to pay final payments for the electricity and the water from this house, and any deposits for the new place. We didn't set up the accounts in advance to be sneaky otherwise we wouldn't have put them on the SOA - we did it to be as organised as possible - my fault I guess

I should be able to go through each transaction on there and say whether it was me or H, but if it was for the new house then it's just as likely to be both of us just using one of the cards.

blind-as-a-bat_2

Sounds like your pretty ready to me to be honest.

The best thing you can do is write a list of all the expected epenses for the move, living untill your next pay etc to justify why its there and get the account unfrozen if poss

The OR will be seeing it as a assett at the moment, you need to show its not

Waspeze

Hi Merry .. seems a bit harsh but if, like you say, it's looking a bit flush at the moment, that's probably why the OR is taking an interest .. if not it could be seen that there's a large pot of money that the OR hasn't even enquired about.
It's, unfortunately, the problem with opening the account before going BR, it runs the risk of being frozen

Like Bat says though, you need to prove that whats in there is essential for bills, rent etc etc and not just a nest egg you've saved up.

Merry_Gentry

Thanks guys. Will get a spreadsheet up and running now so I can explain it all

Merry_Gentry

How thick am I?! It includes next month's rent - H's salary doesn't come through til nearly the second week in the month, so we have next month's rent already there!! :eek: Major panicking done there but I think it's clearer now!!

blind-as-a-bat_2

Just remember the OR has a duty to look after your welfare as well as theres and your creditors so dont let them fob you of;)

Merry_Gentry

Thanks again Bat - I think I just went temporarily blind and thought !!!!!! :eek: :eek: Having gone through the money that's in there it's all for utilities, CSA, rent and food - nothing extra at all really!

blind-as-a-bat_2

if you ask me your OR should be impressed your so organised:p

Merry_Gentry

You better be careful - when the meet happens I might just squash you with one of my Mega Hugs!!! :eek: :eek:

Question : my ex husband pays me £300 per month for the elder DDs. Does this count as my incomings, or as the equivalent of child benefit? It's not through the CSA or anything like that - just transferred to my account each month.