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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by poodle[/i] [br] -------------------------------------------------------------------------------- Dear All, I've had a letter today that says the following: Whilst I have accepted that the majority of your claimed expenditure, I should point out that life insurance is considered to be a discretionary item, so would be excluded from the expenditure used in the calculation. The stated figures for £94 per month for Electric and £84 per month for Gas are well in excess of average household expenditure for these items. I would required documentary evidence to support your claim, the figures should be for current use only - arrears are not to be included (these figures were allowed when I had my OR interview in July so I'm not sure what has changed). Please help as I am so worried we are going to get an IPA and we really can't afford to pay it. In the last IPOQ I submitted I showed a surplus income of £9 per month. It looks to me as if they are trying to find ways of squeezing and IPA out of us. As we are both bankrupt, does it mean that we can only have £99 surplus between us or is it £99 each? I can't believe I've just had this letter. I mean, what was the point of letting us buy our life insurance policies back if they weren't going to allow us to continue paying them? (Our life insurance policies are the only thing we have protecting the mortgage if we died - can they not allow them?) Thanks for your help in advance. I know some of you know how to quote from the technical manual and would appreciate it if you could assist me. Very very worried poodle, who is also having a bad day as feels really poorly and has had to have blood tests! I feel like crying. I would be lost without this board!!!! No of People in Household 2 adults & 1 ChildIncome Wages2107Changed due to NIL Tax code being applied Wages1009 Child Benefit80 Tax Credit230 Total Incomings3426 Expenditure Mortgage-492 Secured Loan-320 NIL TAX IPA-360Not on Previous SOA Mortgage Payment Insurance-51Not on Previous SOA Electric-94 Gas-84 Water-42 Phone-60 TV Licence-12 Student Loan-114 Council Tax-100 Car Insurance-33 Car Tax-18 House Insurance (buildings & contents)-36 Life Insurance (both)-66 Nursery-650 Food-440 Clothes-100 Petrol & Bus Fare-150 Pets (2 dogs 1 cat)-20 Dry Cleaning -15 Haircuts (all)-25 Dentist (both)-20 Prescriptions (both of us on regular repeat medication)-20 Opticians (both of us wear glases)-20 Broadband (MBA)-10 Domestic Break-45 MOT & car maintenance-20 Total Expenditure-3417 Surplus Income9 Also on my new SOA I put down my new income with a deduction for expenses as in my or interview he told me not to worry about expenses. When he gets my wage slip he will see I haven't included expenses and probably frown on it even though I thought I was doing the right thing. Thank you all for your help in advance. I would really be grateful for some expert advice if any of you are on here. [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.