Toon Dave's Br Forms - Final Questions And Queries

maxmycardagain

sect 4 and 5 are the same details, thats the mistake i made and it cost me 4 hours extra waiting time

Toon_Dave

maxmycardagain wrote: »

sect 4 and 5 are the same details, thats the mistake i made and it cost me 4 hours extra waiting time

TY max...the last thing i want to do is be kept any longer than is neccesary so cheers for that.

i havent any of the cards as mentioned above so i've only listed them as creditors now as thats all they are.

Depth_Charge

Hi,

Yep, you have to repeat all your credit card and bank accounts again in section 5 and make sure you include your current ones as well, if they are in arrears or not.

You will almost certainly be asked about your current bank account by the court staff and it can cause delays etc if you have not got these details.

Section 5 is a part of the bankruptcy petition that a lot of people do not complete properly as it is easy done if you dont read the forms very carefully and it is well known by the court staff so they usually always pick up on it.

DC

Toon_Dave

Could you all have a look and make sure i havent made any glaringly obvious mistakes etc.

income £1550 pcm

Expenditure as listed below for the BR forms

Rent £500
Council Tax (single persons discount) £90.00
Water rates £30.00
Electricity and Gas (duel fuel BG) £100.00
Telephone (land line and calls only) £20.00 Broadband paid via work
TV license £15.00
Contents insurance £6.00

Housekeeping £200.00
Clothing £25.00
Dry cleaning (work suits) £10.00
Medical/prescriptions £10.00
Opticians £10.00
Dentist £10.00
Haircuts £10.00
Holidays £25.00
Birthdays/christmas £20.00
Emergency fund £20.00


Total expenditure £1101.

So £449 towards IPA @70% = £314.30 for IPA


i think thats all. If anyone can see anything wrong or if my figures are way out please advise.

i havent put mobile as company phone deducted prior to take home pay same as fuel/car costs, company car which private mileage is deducted before i get salary. i was sent some PAYG sim cards from empty wallet a while back but not sure whether i should try this out on the i&E or not??

Thanks for any help in advance

Dave

Toon_Dave

Depth_Charge wrote: »

Hi,

Yep, you have to repeat all your credit card and bank accounts again in section 5 and make sure you include your current ones as well, if they are in arrears or not.

You will almost certainly be asked about your current bank account by the court staff and it can cause delays etc if you have not got these details.

Section 5 is a part of the bankruptcy petition that a lot of people do not complete properly as it is easy done if you dont read the forms very carefully and it is well known by the court staff so they usually always pick up on it.

DC

so you think i should list them in both sections even though i dont have the cards now and the accounts have been frozen and handed to DCA??

i have listed my current basic account with current value in

Red1708

At a quick glance I would say your insurance is very low. Will delve a bit further though

Toon_Dave

Red1708 wrote: »

At a quick glance I would say your insurance is very low. Will delve a bit further though

yeah i got a very good deal from tinterweb and i pay £5.81 per month for contents only, i didnt want to put higher than it was just coz i'll have to prove it and it comes out bank as DD

Depth_Charge

Toon_Dave wrote: »

so you think i should list them in both sections even though i dont have the cards now and the accounts have been frozen and handed to DCA??

i have listed my current basic account with current value in

Yes I would as they are originally credit card accounts and it does not really matter if they have gone to Collection Agencies or not. It wont hurt to put them down again in section 5.

DC

Toon_Dave

Thanks DC, true. the OR will be able to see they are same reference no.s etc and same companies.

Dave

Depth_Charge

Hi Toon Dave, you are welcome.

And you are right about reference numbers etc even in some cases where people dont put down the original credit card provider as the name of the creditor due to collection action, the number is often the same and as credit cards usually have 16 digit numbers it is easy for the court staff to spot.

DC