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| indy2005 |
Posted - 25 July 2009 : 15:33:12
Hi.
I got a payrise 6 months into my IPA. Discharged in May.
I told my RTLU case officer I had a payrise, but that I had also purchased some extra benefits in terms of additional holiday (for child cover) and so this was likely to cancel the rise out when it kicked in after a month or two.
Case office sent me the IPOQ and then, for another reason, my case got passed from RTLU back to the OR office, and a question I asked got passed to the OR office. THe question I asked was - can I wait until my pay adjusted so I can fill in the IPOQ with my adjusted salary taking into account additional holiday purchase.....I have not had a response.
Now I find I am actually still about £80 better off (salary wise) each month, but we know that all the bills have gone up since my initial interview 18 months ago when the original I & E was done.
I would rather not fill in the IPOQ, as it is only going to be about the same with the increases in council tax, electric and gas...but am unsure of the consequences. I dont want them to look at the agreed payments and adjust them down (I have been told they were quite generous). And I dont have a case office or an IP at the moment.
Regards
i
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| 13 L A T E S T R E P L I E S (Newest First) |
| indy2005 |
Posted - 27 July 2009 : 19:46:22
quote:
Originally posted by indy2005
quote:
Originally posted by RHB
Fill it in, after all we are only talking an increase of 80 pounds a month, at most 70% of that is 56 pounds, you still have more money & the holiday cover. Remember, that the court will be interested in realising money for your creditors, money you owed & less so about raising your family -best to avoid that by being upfront now. Your IPA won't last forever & you will come out the other end much better off than your were before bankruptcy.
Hi,
I think I will. I just hope they dont go back on the original arrangement. If the original examiner agreed £x for holidays, birthday, xmas and kids activities (swimming etc.)....they cant adjust it now can they?
If they change it and move things into my spare income column, raqther than my essentials column...I will be paying more than I did on my DMP!
i
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| indy2005 |
Posted - 27 July 2009 : 19:38:45
quote:
Originally posted by RHB
Fill it in, after all we are only talking an increase of 80 pounds a month, at most 70% of that is 56 pounds, you still have more money & the holiday cover. Remember, that the court will be interested in realising money for your creditors, money you owed & less so about raising your family -best to avoid that by being upfront now. Your IPA won't last forever & you will come out the other end much better off than your were before bankruptcy.
Hi,
I think I will. I just hope they dont go back on the original arrangement. If the original examiner agreed £x for holidays, birthday, xmas and kids activities (swimming etc.)....they cant adjust it now can they?
i |
| RHB |
Posted - 27 July 2009 : 07:07:00
Fill it in, after all we are only talking an increase of 80 pounds a month, at most 70% of that is 56 pounds, you still have more money & the holiday cover. Remember, that the court will be interested in realising money for your creditors, money you owed & less so about raising your family -best to avoid that by being upfront now. Your IPA won't last forever & you will come out the other end much better off than your were before bankruptcy. |
| debtinfo |
Posted - 27 July 2009 : 01:39:45
Only on anicdotal evidence i think you will find that the OR is more lenient than the court. The OR is very concious of staying on the right side of the rules Whereas the judge can order anything he wants |
| indy2005 |
Posted - 26 July 2009 : 19:41:18
quote:
Originally posted by gettingoutofdebt
You should remember that an IPO is an Order rather than an Agreement. At the moment you can argue your case for the amount you are allowed for food, etc. If you get an IPO you won't be able to disagree with the amount you have to pay as it will be decided by the OR/RTLU and rubber stamped by the court.
But I imagine a judge to be more understanding of trying to raise a small family, when a substantial agreed payment is being made already...and me filling in an IPOQ is actually going to mean less to the OR. I just want to stay as we are, rather than risk them reducing my £600 food to £450 Office of National Statistics figure.
i |
| gettingoutofdebt |
Posted - 26 July 2009 : 17:25:46
You should remember that an IPO is an Order rather than an Agreement. At the moment you can argue your case for the amount you are allowed for food, etc. If you get an IPO you won't be able to disagree with the amount you have to pay as it will be decided by the OR/RTLU and rubber stamped by the court. |
| indy2005 |
Posted - 26 July 2009 : 15:43:10
quote:
Originally posted by debtinfo
IPO, followed by attachment of earnings
Hi,
Thats fine then, because I am paying my IPA now, and my IPO would be reduced because of increased bills.
No prison...sounds OK...after a 4 year BRO, I wont lose sleep over an IPO.
Thanks
i |
| debtinfo |
Posted - 26 July 2009 : 15:40:10
IPO, followed by attachment of earnings |
| indy2005 |
Posted - 26 July 2009 : 14:37:22
quote:
Originally posted by debtinfo
If they have sent an IPOQ you must fill it in and return it with your current income and expenditure
Tha conversation I had with my case officer was "I'll send you the IPOQ, but as youve been good enough to tell me about the holidays, if you are saying they cancel each other out then thats fine".
The only issue is - I am £80 better off - but not really because bills have gone up. My concern is they dont still agree my £600 for food.
I am just trying to understand the worst that could happen, Prison, slap on wrist, IPO instead of IPA?
Regards
i |
| debtinfo |
Posted - 26 July 2009 : 14:33:25
If they have sent an IPOQ you must fill it in and return it with your current income and expenditure |
| indy2005 |
Posted - 26 July 2009 : 12:49:42
quote:
Originally posted by indy2005
quote:
Originally posted by gettingoutofdebt
You will need to complete the IPOQ otherwise the OR/RTLU office may decide that you are not cooperating with them.
The OR/RTLU may expect the holiday purchase to come out of the DI rather than allowing it as an expense although if you mention that this is for child cover then it should be ok as child care would probably be more expensive.
If your utility bills have increased then put the additional amount on the IPOQ and, as you say, it will probably cancel out the additional income.
Hi,
Thanks. How can I not be cooperating, I told them of my increase - am paying regularly - didnt have to tell them about the holiday but did (case officer said it was OK), asked them a question...and they haven't replied.
Whast the worst that could happen 
Regards
i
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| indy2005 |
Posted - 26 July 2009 : 12:47:18
quote:
Originally posted by gettingoutofdebt
You will need to complete the IPOQ otherwise the OR/RTLU office may decide that you are not cooperating with them.
The OR/RTLU may expect the holiday purchase to come out of the DI rather than allowing it as an expense although if you mention that this is for child cover then it should be ok as child care would probably be more expensive.
If your utility bills have increased then put the additional amount on the IPOQ and, as you say, it will probably cancel out the additional income.
Hi,
Thanks. How can I not be cooperating, I told them of my increase - am paying regularly - didnt have to tell them about the holiday but did (case officer said it was OK), asked them a question...and they haven't replied.
Regards
i |
| gettingoutofdebt |
Posted - 26 July 2009 : 11:39:35
You will need to complete the IPOQ otherwise the OR/RTLU office may decide that you are not cooperating with them.
The OR/RTLU may expect the holiday purchase to come out of the DI rather than allowing it as an expense although if you mention that this is for child cover then it should be ok as child care would probably be more expensive.
If your utility bills have increased then put the additional amount on the IPOQ and, as you say, it will probably cancel out the additional income. |
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