All Forums  Income Payments Agreements, Income Payments Orders  Income Payments Agreements  Varying IPA payments

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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 removingtheshackles[/i] [br]Firstly a Happy New Year to all! I would be keen to hear any advice...I was made bankrupt end of April 2010 and am currently subject to an IPA. I am paying in 50% of my disposable income and my income tax as I have an NT tax code until April 2011. My IPA is based on my average earnings in the months preceeding the bankruptcy. Since my IPA was assessed, I have had an increase in essential household expenses and a reduction in my income. Overall, this means that instead of having a disposable income, I now have a negative disposable income after including the IPA payments. As my pay has reduced, I am surely also paying more than I should where my NT tax code is concerned as the amount I'm paying into the IPA for my income tax is still based on my previous earnings. These changes have all happened over the last 3-4 months and I have done my best to keep up the payments but I am struggling and have gone into arrears with my council tax and rent. What I would like to know is if anyone has any experience of having their IPA varied? Is this something that can be done in my situation? I have so far put a letter together to the OR explaining in more detail the changes and I've also put together a new income and expenditure sheet. Does anyone have any advice on how else I should approach this? Many thanks. [/quote]   Check here to include your profile signature.