Bankruptcy Questions

Mrs_Bones

First of all I would like to thank everyone who made me welcome yesterday and really helped me. I hope you don’t mind if I ask some more questions.

I’ve been trying to work out my outgoings which are as follows. Could someone have a look at it for me please, I realize I won’t be able to claim all this and most of the options are not even listed on the bankruptcy form I got from CAB so what is it they count as housekeeping. This is what I’ve got; figures are rounded up to nearest pound.

Monthly Income

Incapacity Benefit £405.

Monthly Outgoings

Rent / Board £163.
Food £65.
Home Phone £8. (this is half of calls cost)
Mobile Phone £5. (pay as you go)
Internet £11.
Eating out £4.
Clothes £10.
Pet Food £5.
Pet Costs £15. (Vet)
Education Course £11.
Newspapers/Magazines £8.
Dentist £10.
Optical £10.
Haircut £6
Toiletries £10
Health Costs £10 (Not prescriptions*)
Union Fees £6
Hobby £5
Holiday £10
Birthdays £8
Christmas £8

Total Income £405
Total Outgoings £388


I am currently paying £21 a month for prescriptions, but CAB has said I’ should be able to get them free on low income grounds so I’ve not included them in the above list. I have sent the form off and waiting to find out if I can.

How can I prove alot of this? Money like my board and chipping in to food cost, home phone, internet, newspapers etc. I just give to dad so I don't have receipts, plus stuff like haveing my hair cut and vets i've never bother with receipts.

I am applying for DLA benefit which CAB have said could be 3 to 4 months before I hear about it. If I do get this and hopefully some back money with it, how will that affect the bankruptcy?

I have a PayPal account (currently empty) but I’ve been trying to sell some bits second-hand on eBay, nothing big or worth loads, just craft stuff, books and a few ornaments. I managed to raise £250 in march for a vet bill and I’m thinking of doing it again now to try and get the money for the bankruptcy, thing is I know I will have another large vet bill about autumn time, will I still be able to do this after I’ve been made bankrupt or should I wait till I’ve got the money I need for my vet bill?

Could someone tell me what they put in the paper about you when you’re made bankrupt, do they put all your debts in and where you live etc.

If you’ve managed to read all that thank you very much for staying with me.

Waspeze

No one here ever minds more questions .. it keeps us busy

I'll answer what I can as though you were in normal rented accomodation.. there might be differences due to living with your dad but not sure.

Mrs_Bones wrote: »

First of all I would like to thank everyone who made me welcome yesterday and really helped me. I hope you don’t mind if I ask some more questions.

I’ve been trying to work out my outgoings which are as follows. Could someone have a look at it for me please, I realize I won’t be able to claim all this and most of the options are not even listed on the bankruptcy form I got from CAB so what is it they count as housekeeping. This is what I’ve got; figures are rounded up to nearest pound.

Monthly Income

Incapacity Benefit £405.

Monthly Outgoings

Rent / Board £163.
Food £65. Housekeeping for one person is around 163 a month.
Home Phone £8. (this is half of calls cost)
Mobile Phone £5. (pay as you go)
Internet £11.
Eating out £4. not usually allowed but you can up your H/K (food)
Clothes £10. up to 30
Pet Food £5.
Pet Costs £15. (Vet)
Education Course £11. not sure about these
Newspapers/Magazines £8. not allowed but you can up your H/K
Dentist £10.
Optical £10.
Haircut £6
Toiletries £10 include in H/K
Health Costs £10 (Not prescriptions*)
Union Fees £6 not sure
Hobby £5 not usually allowed but include in H/K
Holiday £10 Up to 30
Birthdays £8 birthdays christmas and holidays are a grey area depending on OR, worth including them but some or all may be disallowed
Christmas £8

Total Income £405
Total Outgoings £388


I am currently paying £21 a month for prescriptions, but CAB has said I’ should be able to get them free on low income grounds so I’ve not included them in the above list. I have sent the form off and waiting to find out if I can.

How can I prove alot of this? Money like my board and chipping in to food cost, home phone, internet, newspapers etc. I just give to dad so I don't have receipts, plus stuff like haveing my hair cut and vets i've never bother with receipts.

I am applying for DLA benefit which CAB have said could be 3 to 4 months before I hear about it. If I do get this and hopefully some back money with it, how will that affect the bankruptcy?

I have a PayPal account (currently empty) but I’ve been trying to sell some bits second-hand on eBay, nothing big or worth loads, just craft stuff, books and a few ornaments. I managed to raise £250 in march for a vet bill and I’m thinking of doing it again now to try and get the money for the bankruptcy, thing is I know I will have another large vet bill about autumn time, will I still be able to do this after I’ve been made bankrupt or should I wait till I’ve got the money I need for my vet bill?

Not sure.

Could someone tell me what they put in the paper about you when you’re made bankrupt, do they put all your debts in and where you live etc. i don't think they put all your separate debts or anything, just your previous (and current address) I never actually saw mine

If you’ve managed to read all that thank you very much for staying with me.

Hope that helps a bit

Purplekylie22

hey,

As far as I am aware, they arnt allowed to take any money out of your benifits, so dont worry about it too much. Waspeze has got good figures, so go with them, but dont worry too much as you should have to do an IPA anyway. with regards to Pay pal, I would save it for your vet bills, but dont allow too much to accumulate in the Paypal account, once you have £50, take it out and ask your parents to keep it to one side or something.

As I understand it you are allowed to sell your own belonings, but you are not allowed to buy things to sell. But I could be wrong about this.

dalip

Mrs_Bones wrote: »

First of all I would like to thank everyone who made me welcome yesterday and really helped me. I hope you don’t mind if I ask some more questions.

I’ve been trying to work out my outgoings which are as follows. Could someone have a look at it for me please, I realize I won’t be able to claim all this and most of the options are not even listed on the bankruptcy form I got from CAB so what is it they count as housekeeping. This is what I’ve got; figures are rounded up to nearest pound.

Monthly Income

Incapacity Benefit £405.

Monthly Outgoings

Rent / Board £163.
Food £65.As waspy says make this £165
Home Phone £8. (this is half of calls cost) I would put this with mobile and internet under one heading of phone and make it £30
Mobile Phone £5. (pay as you go)
Internet £11.
Eating out £4.Scrap
Clothes £10.Again agree with waspy make it £50
Pet Food £5.Add this with pet cost and make it one heading of pet insurance £20
Pet Costs £15. (Vet)
Education Course £11.not sure
Newspapers/Magazines £8.
Dentist £10.
Optical £10.
Haircut £6 £10 per adult
Toiletries £10Scrap
Health Costs £10 (Not prescriptions*)Make this £30 and include dent,opti
Union Fees £6Not certain but think these are ok
Hobby £5Scrap
Holiday £10
Birthdays £8These 3 are a grey area if you have surplus income add them but from what i can see you don't need them in as you wolud then be in defict and the OR might question that.
Christmas £8

Total Income £405
Total Outgoings £388


I am currently paying £21 a month for prescriptions, but CAB has said I’ should be able to get them free on low income grounds so I’ve not included them in the above list. I have sent the form off and waiting to find out if I can.

How can I prove alot of this? Money like my board and chipping in to food cost, home phone, internet, newspapers etc. I just give to dad so I don't have receipts, plus stuff like haveing my hair cut and vets i've never bother with receipts.The OR takes a lot of what you put down on trust, they rarely ask for proof unless your requests are excessive. None of the above are

I am applying for DLA benefit which CAB have said could be 3 to 4 months before I hear about it. If I do get this and hopefully some back money with it, how will that affect the bankruptcy?

I have a PayPal account (currently empty) but I’ve been trying to sell some bits second-hand on eBay, nothing big or worth loads, just craft stuff, books and a few ornaments. I managed to raise £250 in march for a vet bill and I’m thinking of doing it again now to try and get the money for the bankruptcy, thing is I know I will have another large vet bill about autumn time, will I still be able to do this after I’ve been made bankrupt or should I wait till I’ve got the money I need for my vet bill?

Could someone tell me what they put in the paper about you when you’re made bankrupt, do they put all your debts in and where you live etc.They put your name,address,occupation and date of bc.

If you’ve managed to read all that thank you very much for staying with me.

Don't ever worry about asking questons thats what we hang around on this forum for, as waspy says give us something to do, mind he is supposed to be working!:rolleyes: .D

Waspeze

dalip wrote: »

Don't ever worry about asking questons thats what we hang around on this forum for, as waspy says give us something to do, mind he is supposed to be working!:rolleyes: .D

You had to go and mention the W word didn't you?

Not very busy at the moment

dalip

Which W word was that Waspy i can think of several;)

Waspeze

dalip wrote: »

Which W word was that Waspy i can think of several;)

:rotfl: :rotfl:

The one mentioned in my sig

maxmycardagain

dalip wrote: »

Which W word was that Waspy i can think of several;)

me too...............:D

dalip

Bet there the same ones max;) .......

Merry_Gentry

dalip wrote: »

Which W word was that Waspy i can think of several;)

And before the watershed too!! :eek:



:rotfl:

Mrs_Bones

Thank you for helping me and making me laugh

Does anyone know if getting DLA benefit will affect things with the bankruptcy?