Do I have to include my partners income & contibutions on budget sheet

[jimbodeanio]

Hi, I'm rapidly heading towards a CCJ, it is only a matter of time until my creditors go down this route as we can not agree on the amount I should pay.

I had basically put on my budget sheet that I pay all the bills & that my partner makes no contibutions to bills at all.

The creditors have said that I can't do this.

Can anyone advise me if this is true & the best ways to pay the bear minimum to these robbing so & so's?.

Many thanks

james

[42man]

James can you tell us a little more about the debts without being too specific ??

[jimbodeanio]

Hi 42man,

I owe the following

company 1 - £6175
company 2 -£1168
company 3 - £7554
company 4 - £7157
company 5 - £3263

What other info would you need to know?

Cheers

J

[gizmo111]

Does your partner have an income? If so it would be realistic to expect that at least some of that income would go towards contributing to household expenditure. The whole purpose of a I&E, is not only to assess your finances for a court, but also to provide a workign document that you can live on for a period of time.
What is the CCJ for?
Can you tell us a bit more about your circumstances?

[42man]

Thanks James.....what you need to do is spend a bit of time reading through some of the other threads, to stave off the CCJ/court threat I would start sending off what is known as a Request for your Consumer Credit Agreement (this only applies to credit cards or loans)....basically if the debt collection company/original creditor isn't able to produce this then they can not enforce the debt by law....

If you follow this link and pick out letter 'N' - Creditors and DCAs - Letter Templates & Budget Planner - send this letter off by recorded delivery, do not hand sign the letter and send each with a £1 postal order....do this ASAP

[jimbodeanio]

Yes she does have income, i guess to put this in to context a little.

The debts were ran up over a number of years with my ex partner, all mentioned being in my name.

I also had a mortagage (house repossesed, up for sale) & a secured loan (this was in joint names with ex partner) so at some stage both of these lenders will come after me for the outstanding amounts (shortfall from sale of house).

I'm trying to work out that what the court can and can't insist on,
1. can they insist on knowing what my new partners income is?
2. if I was to say that she pays 10% of all bills would that be sufficiant?
3. would they insist that the bills are split 50/50?

I've not got the ccj yet, i'm guessing they will come at different times from different creditors

[jimbodeanio]

Thanks 42man, I'll send off that letter straight away and see what i get back.

I'll have a good trawl through the other threads to see what other useful info I can find.

Thanks

James

[gizmo111]

What is the property you have now? rented/mortgage, joint owned etc.
I don't think if she has a comparable income with yourself, then anyone would think 10% of the bills would be fair.
Do you have children?
Don't panic about reducing your expenditure because it is pretty likely that you have not included things that are perfectly reasonable day to day expenses.
Sorry if this sounds a little intrusive but we need the full picture to advise.

[jimbodeanio]

Gizmo, I don't think it sounds intrusive at all, at the end of the day I'm asking for your help .

The property I'm in now is rented.

My partners wage is approx 65% less than mine.

I have one child from previous relationship which I pay maintenance to.

so far I have included the following for expence:

rent £575
Gas £30
Elec £51
water £35
council tax £110
TV licence £11
House inc £15
Dental inc £20
Fuel £299
parking £80
Phone & internet £40
child trust £20
Shopping £300
clothes £30
hair cut £15
emergencies £20
maintenance £300

leaving me with £159 for debts...this is before saying that my partner pays anything....

[gizmo111]

Originally Posted by jimbodeanio

Gizmo, I don't think it sounds intrusive at all, at the end of the day I'm asking for your help .

The property I'm in now is rented.

My partners wage is approx 65% less than mine.

I have one child from previous relationship which I pay maintenance to.

so far I have included the following for expence:

rent £575
Gas £30
Elec £51
water £35
council tax £110
TV licence £11
House inc £15
Dental inc £20
Fuel £299
parking £80
Phone & internet £40
child trust £20
Shopping £300
clothes £30
hair cut £15
emergencies £20
maintenance £300

leaving me with £159 for debts...this is before saying that my partner pays anything....

All that fuel and parking and no, car maintenance, MOT's , tax, ins,etc,
Nothing for entertainment say £40 for the 2 of you, has your partner a vehicle?
Does the dental just cover you? has she any debts?
prescriptions?
add £20 holidays each. How much longer will you have to pay maintenance?

I'll see if I can dig out a format for you to put it in a simple spreadsheet.

[questioning]

Sorry to but in,
My situ is the reverse & a little different as they have already got the CCJ against me. I did redetermination and all I know is that it has been forwarded to my local cc.
This is what I did.
I only work part time, My spose is in full time employment, we have 2 kids and rent our home.
On the court paper when you do your I & E it says "money others give you" or similar wording, Anyway that means you are to put your partners income there, it then goes on to say only put your expediture in the relivent area. (now this form seemed to go missing in the post so I have requested redermination as they entered the CCJ to be paid forthwith)
I sent them I & E with a covering letter.
I entered my income & expenditure, that is all my income gone (i only work part time)
I then added what my partner paid in answer to "what others give you" but I did not enter his whole income just what he pays for, like all our rent ect, this is practically most of his income unfortunately. So that way I showed how we manage to live BUT i pointed out he does not give me any money and that this money I have entered is not given to me it is used to enable us to live, with out luxuries. I then listed my other credit debts.
I was under the impression that I was not responsible for my husbands debt and that he is not responsible for mine. This is a CCJ served on me not my husband.
Just thought I'd let you know this, I realise you haven't got a CCJ but this is still a similar question that I had to deal with.
I'm sure i am correct, your partner is not responsible for your debt.
I can now bet you this, If I am wrong someone will soon say so.
Bear in mind these are your creditors, and when once asked me if my partner worked & if so what was there income I just said mind your business.

[jimbodeanio]

Thanks both,

My car is a company car so don't have to pay inc/tax etc, just fuel.

My partner does have a car yes, what I don't understand is how they can force me to give details on my partners income / outgoings, that is her business no theirs!.

It is my debts not hers!, if I were to put down that she contributes to the rent and the differnce in council tax if i was living on my own that should be it.

After all they can't force her to pay to live with me, her wages are her wages.

I appreaciate that then means that I would need to break down my outgoings based on me only.

What do you think?

[389shell]

I have just been given a lovely CCJ, I only put the money I earn on it and only the things I pay. No problem, rather than having to pay £110 a month, I only have to pay £5, it was accepted with no questions asked.

[questioning]

Originally Posted by jimbodeanio

Thanks both,

My car is a company car so don't have to pay inc/tax etc, just fuel.

My partner does have a car yes, what I don't understand is how they can force me to give details on my partners income / outgoings, that is her business no theirs!.

It is my debts not hers!, if I were to put down that she contributes to the rent and the difference in council tax if i was living on my own that should be it.

After all they can't force her to pay to live with me, her wages are her wages.


What do you think?

As 389shell says, she has told you what she did with cc I & E,
I only put down what my hubby earned as I only work part time so it would have been obvious that some one paid for other things/bills as my income would not of covered it.
If your wage can cover all your bills and allowed living expenses then only put your income down.
They are not your wifes debts, they are yours she is not responsible for them.
If you were going bankrupt and were dealing with an OR then it would be different, but a CC, its not there business.
Hope these posts have helped.

[JonCris]

It's simple when you marry someone you don't accept liability for their debts past or present That is certainly the case if those debts accrued prior to marriage.

They have no right to the information as has been said it's none of their business.

Think about it.....we would end up having to actually credit check any potential partner to ensure we are not going to have to pay their old debts in future & being ordinary consumers we don't have access to the info.......goodness I have just thought what a great! business opportunity for the CRA I can see it now
"Don't live with a feckless debtor check your partners credit rating on line for £30"

[questioning]

excellent reply joncris,
god, yes what a thought!