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hairandbeauty
New Member
71 Posts |
 Posted - 14 August 2009 : 22:02:13
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Hi guys
We have recieved a letter saying we may get early discharge.
We have been asked to fill in a Income and Expenditure form.
I work and my partner is on job seekers allowence so gets this and housing benifits.
In income do we have to declare my full wage and her job seeks and the housing benefit and council tax benifit? or can we just put down the full amout of the rent and council tax etc?
Is there anywhere that tells you what you can put on the form or not as Im not sure what i can put for telephone, house keeping, clothing etc? |
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swbankruptcy
Starting Member
United Kingdom
22 Posts |
Posted - 14 August 2009 : 23:37:15
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| unless your circumstances have changed since your OR interview submit the same I&E details you did when you went BR |
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ripski
New Member
United Kingdom
90 Posts |
Posted - 15 August 2009 : 07:52:39
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Do you just fill this in or do you have to submit pay slips and bank statements again.
ripski1 |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 15 August 2009 : 08:11:41
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It should just be a case of completing the form without any bank statement unless they have been specifically asked for.
A lot of times when you receive the EDREV (Early Discharge) letter it will come from the RTLU rather than the OR. They will ask you to complete a new I&E and normally 6 weeks or so later you should be discharged.
If your circumstances (income/expenditure) haven't changed since declaring BR then submit the same I&E you did then. If they have changed then there are general expenditure guideline amounts in the following form www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls
You can always post your I&E on this board and we can take a look and advise on amount and whether you have missed things out, etc. |
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hairandbeauty
New Member
71 Posts |
Posted - 18 August 2009 : 08:57:27
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Hey Guys
We never did an I&E when we went br, we had jsut lost our business and hadnt managed to sort out our benifits or rented house so couldnt give any details and they havent asked for any since so they have no info.
There is only myself and my partner in this house, he works and im on the sick. Our I and E is this.... please could anyone advice.
Income
Pay £920
Sick Benifit £240
Housing Benifit £262.00
Expenditure
Rent £525
Council Tax £69.00 (this is half of the bill as i get council tax benifit for my half of the council tax)
Heating and Lighting £100
Water £40
Telephone (we have BT and broadband) ££40
Travel Expenses £100
House Keeping £100
Clothing £100
TV licence £12
Leaves £336
We now have a car but because my parents paid this years tax and insurance i aint sure what i should put for car expensies etc.
Can any one think of a better way of putting this? |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 18 August 2009 : 11:56:15
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Hi,
Telephone (we have BT and broadband) £40: Remove the broadband bit and just leave telephone as the OR won't normally allow Internet unless you need it for education purposes.
House Keeping £100: This is way too low. If one of you is BR then put £200 and if both BR then £400. Also change the title to 'Housekeeping, including food and cleaning'.
Change 'Heating and Lighting' to Gas and Electricity.
Is 'Travel Expenses' public transport, petrol for the car or both?
For the car divide the cost of insurance by 12 and round it up slightly for the monthly 'Car Insurance' amount and do the same with 'Car Road Tax'. Also put an amount for MoT, Servicing and Repairs. |
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CMJ
New Member
96 Posts |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 18 August 2009 : 18:33:17
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As regards things like broadband, if you can manage to fund this from your portion of disposable income then you can continue to do so.
If you need regular prescriptions then you can get a prepayment certificate which will save you money.
As regards the car, if you are going to have to pay the bills for it in future, then put them down.
The glimmer gets brighter all the time
Jan
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Income and Expenditure
