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movin on
Average Member
United Kingdom
946 Posts |
 Posted - 22 September 2008 : 21:40:07
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Oh my god....just started to work through my br forms online, luckily i can save them - im struggling with a few things and may be postiing quite anumber of questions!!
First of all i will let you know my husband is self employed and i dont work (look after the children), therefore all income details i understand are my husbands - it just feels very strange that im filling all his details in when im the one going BR!!??!!
Anyway....Hope someone can help
Section 3 - Fixtures and Fittings - what do i put here ?
Section 4 - secured creditors - we have a joint mortgage and a top up loan with the same company - do i put total amount outstanding as i see it on credit file ?
Section 4 - Unsecured creditors - do i put down overpayment of tax credits here?
Section 5 - Bank Account and Credit Cards - Do i put these down again as i have already put a few down in the unsecured creditors section?
Section 7 - Employment and present income - Is this where i fill my hubbys details in again?
Section 9 - Disposed properties - we moved almost 3 years ago so do i put who we sold it to at the time ?
Think thats about it for now, but any advice is better than none
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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John
New Member
United Kingdom
73 Posts |
Posted - 22 September 2008 : 22:37:28
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Hi
Section 3 - Just put household furniture and appliances with a value of no more than £500.
Section 4 Secured - You should list both borrowings seperately.
Section 4 Unsecured -You should list overpayment of tax credits
Section 5 - Yes you do have to duplicate some details where appropriate. As you go through the form you will realise this happens a few times.
Section 7 - Employment and present income is actually under section 6. Section 7 is for expenditure.
Section 6 - you should put your own employment details here.Your income is nil but if you receive benefits / allowances into the household these should be entered in the appropriate place.
If you're not working now you should enter the details of when you were last employed.
"Other contributions to the household" is where your husband's contribution should be entered. Remember, this does not ask for his total monthly net income, only his contribution to the household expenses. Therefore his disposable income should remain his to do with as he chooses. However, if he is declaring bankruptcy as well then you may as well enter his full net income as it will be seen on his own SoA anyway.
Section 9 - Yes you should enter the name(s), if known, of the buyer(s). If you can't remember don't worry the OR can check through the Land Registry.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
Edited by - John on 22 September 2008 22:38:04 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 22 September 2008 : 22:45:31
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John
Thanks so much for the advice - im just seeing figures all the time at the moment, but i suppose its a long way to go yet.
It is just myself going BR.
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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John
New Member
United Kingdom
73 Posts |
Posted - 22 September 2008 : 22:48:14
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Hi
as per my previous post and as your husband is not going BR you can now see, by getting his contribution figure correct, he can still buy his ciggies.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 22 September 2008 : 22:53:22
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ah i see, so i do not need to put his earning down, just what he transfers to me each month? If that is the case he pays alot of things out of his account - does that mean ill have to take them off the list?
Sorry if im repeating myself, but these forms a really scaring me
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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John
New Member
United Kingdom
73 Posts |
Posted - 22 September 2008 : 23:02:05
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Hi
it doesn't matter which account the bills come out of. As long as they are for the household as a whole you should list them. Basically, once you've worked out what your legitimate expenditures are and thats what your husbands contribution should be.
Then you won't get an IPA which you shouldn't as he should not pay from his disposable income towards what are your debts. Get the expenditures right THEN enter his contributions to match that total income figure.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
Edited by - John on 23 September 2008 07:30:51 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 23 September 2008 : 12:32:58
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John
Thanks so much for all the advice you have given to me - its alot more clear to me now.
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 23 September 2008 : 12:42:10
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Revised list....fingers crossed i actually managed to get them right this time
Reason i have taken petrol off etc is because the vehicles belong to my husband therefore he will be responsible for them - i think ??
Im sure someone will let me know if im wrong
The weights are coming off my shoulders very slowly, but making such a big diference !! |
Edited by - movin on on 04 October 2008 19:01:11 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 23 September 2008 : 16:32:11
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To John
If you could take a peek at this when you have some spare time, i would really be grateful
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 23 September 2008 : 20:30:31
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A couple of things jump out at me Moneyworries:
Telephone seems very high at £67
Water seems quite high at £55
Prescriptions - if you need regular prescriptions it works out cheaper to get a prepaid certificate, and the OR will probably expect you to do so.
Mobile seems very high at £50
This is just my opinion, and I'm sure one of the experts will be along to help you soon x
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 23 September 2008 : 21:09:56
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Hi Skippy
I would like to explain why the telephone may seem high to yourself. It is a broadband and phone package, however because my hubby uses business calls also i can see why it seems high (i have just paid £68 to Virgin for 1 month)
I can prove my water bills are that amount due to the years bill i get that explains how much per month i will be paying dd, so do you think they still wont allow it ?
I will certainly be getting a prepay certificate
Finally my mobile bill is on a contract for another 10 months (it was an 18 month contract) and thats how much it normally comes out at - i obviously have no problems giving this phone up and sorting out a pay as you go for alot less each month
Thank you very much for your honest opinion. X
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 23 September 2008 : 21:25:35
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I understand now! Can your hubby reclaim the cost of the calls from his company?
If that's what the water rates are then that's what they are so I can't see the OR having a problem.
You might not be allowed to keep the mobile - I was lucky and kept mine, but some people have them disallowed and have to go to pay as you go. The contract is then included in BR. Could you change tariff so it's lower and the OR might be ok?
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 23 September 2008 : 21:30:59
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I think he can reclaim some back, but may need to speak with the accountant first.
I will make sure i have the yearly water bills to hand when i meet with or have an interview with the or - must admit it doubled from our last house with not much difference in size !!
Didnt think of changing tariff, but will try that first and if i fail will just give it up - im certainly not going to cause any problems for myself by getting into troule with the or - im scared as it is!
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 23 September 2008 : 22:03:59
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I know it's easy for me to say but don't be scared - the OR is human and realises that things have gone up and people are finding it hard.
I think the main thing is to be able to justify your expenses. For example I had a higher than normal housekeeping allowance - I put down £350 for 2 people (this was 18 months ago). The OR didn't question it, but if she had I could explain that I can't have many dairy products, and soya milk etc is more expensive than 'normal' food.
I reduced the tariff on my mobile quite happily as I was paying over the odds for something I hardly used!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 24 September 2008 : 13:52:48
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To John
I would really like to thank you for all your help and guidance these past few days. I am grateful for experts like yourself that come here and advise in your own time and all hours of the day and night!!
Once again i cannot thank you enough, but will no doubt have a few last minute panics before the day and will be posting for a while to come.
Jenny
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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John
New Member
United Kingdom
73 Posts |
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BR Forms
