Court Date, 3 July - Eeeek! Edit - Help with SoA pleeeeease.....

Summer1969

Toon_Dave wrote: »

Hi Summer,

Its amazing how much more organised you'll become during this period. I've got all my letters filed and in clear plastic pockets so i can find them easily when required..just feels a bit weird as im not usually that organised at all..

Hope all goes well with the BR day and remember we are here to help with any queries no matter how small you may think they are.

RE the OH's Mum and her leccy bill. It may be best to speak to them directly and try explaining the situation re her hubby and see what they say. You never know they may be 'human' at the other end!?

Also maybe put a query on the utilities board regarding the bill and see if anyone has any advice with regards to the exact supplier.

hope it gets sorted for her, You dont need her getting Ill or stressed during this time for you either

Dave

Its a tricky one. I assume they will only speak to the account holder. She is 60 miles away, never leaves her living room and has a phobia of all things official. She is even worse since her hubby died last year. I can't see her ringing them! I think we will have to go up there and actually see the bill and get her to ring them and maybe she can tell them that she wants them to speak to one of us about it?

Money problems eh, who'd have 'em? :rolleyes::D

Summer1969

Toon_Dave wrote: »

but i know what you mean, as soon as im told that they have all the paperwork they need to close or complete the file its gonna be one hell of a BBQ in my back garden...lol..so many letters!!:rotfl:

Sounds good, me and shadowdragon could join you, get those burgers on! :rotfl:

Toon_Dave

Re OH's Gran (EDIT) ..if she doesnt want to or cant speak to the companies you may be able to apply for some discretion with the Data protection as a sort of power of attorny etc..not sure of the exact terms but im sure if she signs something to say she is happy for an authorised agent either you or hubby to speak on her behalf, it may help.

And yep the BBQ is newcastle all are welcome!

Summer1969

Toon_Dave wrote: »

Re the mum in law..if she doesnt want to or cant speak to the companies you may be able to apply for some discretion with the Data protection as a sort of power of attorny etc..not sure of the exact terms but im sure if she signs something to say she is happy for an authorised agent either you or hubby to speak on her behalf, it may help.

It's OH's 80 year old gran....hence the problem.....never dealt with any of the bills - she is a widow now and does not have a clue. I am so organised and fired up at the mo, I would be more than happy to deal with it for her, but as I said, she is 60 miles away, so can't go up and see her and deal with it for a while.

wolfie1_2

Good Luck,
hope all goes well for you.

Summer1969

Well typical, get letter today from Managing Agents (our flat is leasehold), they want £208 for ground rent and buildings insurance...great timing. :rolleyes:Well, we can't pay it at the mo, would normally pay that on credit...but those days are behind me, so it will have to wait til the beginning of next month. I can usually get away with paying it a couple of weeks after I get the letter. I see now how important it is to have savings, we never used to make sure we had put money away for things, like the car going wrong, or car tax, or Managing Agent's letters...we just panicked when it happened! Not anymore.

Oooh surprising bit of news today, trying to get info about old pensions that I used to pay into for the BR form, and NatWest wrote to me today, I worked there many moons ago, and there is a pension for me of £8500 a year when I retire!:eek: I was really shocked at that, as I didn't have to contribute to that pension at all. I know that figure isn't a given in the future, but was very surprised and its better than a slap in the face with a wet fish.

Hope everyone is having a good day. xx

Summer1969

Hi peeps.

Going through my forms today, want to get everything in order well before next Thursday. Right, this blooming SoA on Section 7. As some of you know, its just me going BR, but I have no income, so am putting 100% of OH's contributions on there. I am still a bit confused as to exactly what I put on there, as I won't be having an IPA so I don't need those figures that are recommended, so I am just going to put below what our outgoings are at the mo, do I just leave it as it is? Have I forgotten anything? I have copied out the headings exactly from Section 7 of the Form.

OH's income - Basic £1500 (though most months gets around £2200 +, with commission) - not sure what to put.

Mortgage/rent - £684.59
Housekeeping
(inc food & cleaning) £300.00
Gas, elec £76.50
Water £30 (normally £16 but they didn't charge us the
past months and didn't realise, so they are upping it
for a bit to catch up...)
Telephone charges £11 - line rental Virgin
Mobiles £25 x 2
Travelling to and from work £110 (OH's railcard - its way too expensive to park
where he works)
Clothing £20
Council Tax £95.00
Contents Ins £11.54
Den Plan £19.49
TV Licence £11.61
Buildings Insurance £15.00 (flat is leasehold)
Ground Rent £ 4.00
Dry Cleaning £20.00
TV/Broadband £31.00
Car MOT/Tax/maintenance/petrol - £70


Now as I said, am I right in thinking that I just leave that as it is? As in I am not getting an IPA so the OR won't tamper with the figures as it is out of OH's salary?

Waspeze

Hi Summer.. Not 100% about this but I would have thought that you put your OH's contribution (NOT income) in section 6.7 and keep the income bit at zero. Might need someone else to confirm that though.

Summer1969 wrote: »

Hi peeps.

Going through my forms today, want to get everything in order well before next Thursday. Right, this blooming SoA on Section 7. As some of you know, its just me going BR, but I have no income, so am putting 100% of OH's contributions on there. I am still a bit confused as to exactly what I put on there, as I won't be having an IPA so I don't need those figures that are recommended, so I am just going to put below what our outgoings are at the mo, do I just leave it as it is? Have I forgotten anything? I have copied out the headings exactly from Section 7 of the Form.

I'm guessing this is just for the two of you?

OH's income - Basic £1500 (though most months gets around £2200 +, with commission) - not sure what to put.

Mortgage/rent - £684.59
Housekeeping
(inc food & cleaning) £300.00 Normally i'd say up this to about 350
Gas, elec £76.50
Water £30 (normally £16 but they didn't charge us the
past months and didn't realise, so they are upping it
for a bit to catch up...)
Telephone charges £11 - line rental Virgin
Mobiles £25 x 2 some of this might have to come out of any surplus
Travelling to and from work £110 (OH's railcard - its way too expensive to park would need to justify this AND running a car.
where he works)
Clothing £20 can be upped (mine was 35 for one adult)
Council Tax £95.00 is this over 10 months or extended to 12?
Contents Ins £11.54
Den Plan £19.49 for two people should be ok, for one it might be high.
TV Licence £11.61
Buildings Insurance £15.00 (flat is leasehold)
Ground Rent £ 4.00
Dry Cleaning £20.00 not sure what the limit is on this?
TV/Broadband £31.00 won't be allowed (will come out of surplus)
Car MOT/Tax/maintenance/petrol - £70


Now as I said, am I right in thinking that I just leave that as it is? As in I am not getting an IPA so the OR won't tamper with the figures as it is out of OH's salary?

I've put what I think as if you had a income... as you don't and all of this will be paid for by OH I don't think you need to worry too much.

Can't remember though... were you on benefits of any kind? if so these need to be added but will not mean you get an IPA.

Summer1969

Waspeze wrote: »

Hi Summer.. Not 100% about this but I would have thought that you put your OH's contribution (NOT income) in section 6.7 and keep the income bit at zero. Might need someone else to confirm that though.

Ohhhh. Very confused now.

I've put what I think as if you had a income... as you don't and all of this will be paid for by OH I don't think you need to worry too much.

Can't remember though... were you on benefits of any kind? if so these need to be added but will not mean you get an IPA.

No, I am not on benefit. I am still confused, as its OH's income and I won't have an IPA, why do I have to change the figures to the guidelines as if I were going to have an IPA? As in, broadband won't be allowed, mobiles to come out of surplus etc...I won't have surplus as I am not earning.

I know I need to try and justify keeping the car, but I accept it might be taken away as OH mainly uses the train for work and I don't work.

Waspeze

Ooooops soz Summer, didn't mean to confuse you! .. you don;t have to change your numbers, I was just commenting on them as if you were paying for them out of your income .. as your not you can leave them as they are or amend them its entirely upto you All I would suggest is that as you're not paying for things like internet etc do you need them on your SoA? If you leave them off then its less for the OR to talk about