Re: Income expenditure forms are they legally required to be filled in?
If you are claiming that you do not have enough money to pay your mortgage then they can be expected to make such demands for further information.
As already mentioned all you are really doing is giving them a view of your finances to which they are not really entitled, as you have already found, they will happily strike through anything which doesn't fit in with their unique standards of needs and requirements.
The only person who can reach an informed opinion on how much you can afford to pay is you,
the only person who is qualified to reach such an opinion is you.
A court can of course make a judgement on how much you should pay, but even then the judge would normally request clarification of your income and expenditure and unless you are obviously understating or overstating your figures, the judge will make a judgement based on what you can realistically afford. The DCA does not have any say at all in this process
Hope this helps
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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves