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shazzag76 |
Posted - 25 May 2009 : 22:39:17 Hi I am currently a supply teacher. I have been very lucky and have picked up a maternity cover for the lst 3 months, which has now unfortunately ended. As yr 11 have now left school the staff generally have slack in their timetables that means that schools do not rely as heavily on agency staff, this unfortunately means less work for me. I am sorting out my bankruptcy this week, but i am worried about how they will work out my income to calculate a potential IPA. Other posts have said that they work out the last 3 months average wage and use that, but in my position that would not be practical. Also i am unable to earn a wage from the teaching agency over the 7 weeks summer holidays, and work is very thin on the ground in Sept, Nov as teachers are generally refreshed from their summer break and generally absence in these 2 months is less than other times in the year. Also, the agency have said that a percentage (still trying to pin them down to an exact figure) of my daily rate is holiday pay, so will that be taken into account by the OR, as i am supposed to be putting this away for the holiday weeks, however due to debt piling up eveywhere, this has not happened at all, and anything i have sabed will all be used to pay the court fees? I am very worried that my last 3 months salary is very reasonable and my next 3 months salary will be no where near as good, porbably only 2 or maybe 3 days a week leading to the summer and then nothing at all during the summer hols. Obviously i will try and get another job over the summer, but thsi is unlikely to be any higher than minimum wage, and with the unemplyment rate where i live in all honesty i would be very very lucky to find anything at all. Any advice would be very greatly appreciated. Many thanks Sharon |
1 L A T E S T R E P L I E S (Newest First) |
gettingoutofdebt |
Posted - 26 May 2009 : 07:05:49 Just explain this to the OR and they will be understanding. They are used to dealing with people who are self employed or have varying income throughout the year. The OR is there to ensure that the creditors are paid (IPA) what the BR can afford and nothing more.
Don't forget that you can always dispute the I&E/IPA that the OR draws up. After the interview the OR will send you a letter detailing the IPA and you have 14 days to contact them to say that you disagree with it. |
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