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| clare.cs |
Posted - 08 December 2010 : 16:35:29
Hi There, some advice please if you will, Myself and my partner were declared bankrupt in Feb 2010 we have been discharged now, Thank god!! my next question is that my self and my partner were under the impression that at our interviews we were told that an IPA was only for 12 months, having looked at my paperwork it appears that this is wrong its actually 36 months, devestaed is not the word!!! can anyone advise what the situation is re this IPA as we are really struggling to pay this amount!! Many Thanks!! |
| 3 L A T E S T R E P L I E S (Newest First) |
| Bigal4787 |
Posted - 09 December 2010 : 00:53:28
Hi Clare,
As previous posts have clarified, an IPA is for 36 months, however if at any time you experience difficulty in maintaining the payments you should inform the RTLU,or Moonbeever who administer them, and who should send you another income payments questionnaire to complete, so that the IPA can be re assessed.
It should also be pointed out, that even though the way IPA's were assessed changed in December 2010, yours will still be assessed under the previous system (i.e £100 disposable income allowed, anything over £100 worked out on a sliding scale).
Things you may claim are:
•TV licence
•Household and car insurance
•Car tax
•AA/RAC or similar motoring assistance club membership
•Membership of professional body required in order to carry out employment (unless paid byemployer)
•Hire of TV and/or DVD/video player (no more than one of each appliance per household)
•Prescription charges - see paragraph 31.7.20
•Dental and optical treatment - see paragraph 31.7.21
•Mobile phone costs - see paragraph 31.7.22
•Dry cleaning costs - see paragraph 31.7.23
Other items possibly claimable, but would require more justification:
•Clothing - see paragraph 31.7.25
•Holidays - see paragraph 31.7.26
•Hairdressers - see paragraph 31.7.27
•Extra curricular activities for children - see paragraph 31.7.28
•After school clubs - see paragraph 31.7.29
•Pets - see paragraph 31.7.30
•Rent arrears - see paragraph 31.7.31
•Maintenance payments - see paragraph 31.7.32
Items not allowed:
•Gym membership
•Sports expenses or club membership
•Additional pension contributions to enhance a pension
•Private healthcare insurance or similar (however see also paragraph 31.7.21)
•Social and entertainment expenses- see paragraph 31.7.34
•Satellite TV - see paragraph 31.7.35
•Broadband internet costs (unless shown to be necessary for the bankrupt's paid employment) - see paragraph 31.7.35
•Excessive mortgage payments - see paragraph 31.7.36
•Student Loans - see paragraph 31.7.37
•Regular payments to charitable and religious organizations/tithing - see paragraph 31.7.38
A bit long winded but hope it helps, one thing though is that people often forget to include the provision for a reasonable UK holiday, for which £50 - 70 per month can be claimed.
Big Al |
| gettingoutofdebt |
Posted - 08 December 2010 : 18:12:03
The IPA is 36 months but if you are struggling to pay it send a letter to the OR/RTLU and let them know. Ask to complete another I&E and then put down the amounts you spend for food, etc. rather than the ones agreed when you declared BR.
The IPA should increase/decrease as your income increases/decreases so if you have less income now then your IPA should also be reduced. |
| Sarah.12 |
Posted - 08 December 2010 : 16:38:36
Hi Clare, yes it is actually 36 months :(
Sarah |
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