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T O P I C R E V I E W
wildberry
Posted - 05 February 2009 : 09:55:48 hello,my husband and myself went bankrupt last august and after filling in our i/e we where told that we would not have to pay an ipo.just before christmas we both recieved a letter and a new i/e form which we completed as we may be put forward for an early discharge.nothing had changed on our i/e form except our gas and electric are a bit higher as we moved into a rented property and had to estimate our bills on the first form we had.my husband has now recieved an ipo asking for £87 per month from the end of feb but if our income has not changed where would this new figure come from ? what should we do as we just about manage on our income ?
3 L A T E S T R E P L I E S (Newest First)
Mr.E.Guest
Posted - 05 February 2009 : 11:04:35 Hi,
We are in a similar situation. We moved and rented and sent the keys to our old house back. However, as we wont sign voluntary Repossession forms (due to concerns over shortfall acceptance) the mortgage provider will not accept possession.
We did contact our council though and told them this and they have not charged us council tax - I think its called a class c exemption...
Worth checking out as you can clearly demonstrate that you are living and paying council tax in a new house.
Cheers
Tim
What doesn't kill you makes you stronger (I hope ;-)
wildberry
Posted - 05 February 2009 : 10:26:17 yes am trying to speak to the or this morning to see what they have changed also would it be taken into account that we are still waiting for the bank to reposses our property as they would not accept us handing it back as we would not sign any forms.therfore we are going to be liable for the council tax on this as well as our rental property and have to try and find the money for this which is not included on our i/e.
Mr.E.Guest
Posted - 05 February 2009 : 10:14:31 Hi,
I'd ask to see the new calculation from the OR that identified that you had "spare" income to warrant any kind of IPO - sureley if your i&e have not changed and you had previously not had an IPO then the OR can not suddenley decide to slap an IPO in place just before discharge?
Good luck
Tim
What doesn't kill you makes you stronger (I hope ;-)
