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lensbells
Starting Member
United Kingdom
6 Posts |
 Posted - 22 January 2010 : 20:27:04
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Hello,
I have received an IPA today after I sent back a expenditure form on the 18th. I have around £15/month disposible cash and the amount they have said I should pay is £188/month for 36 months! This is more than I was paying before I decided to go bankrupt. It is nearly a third of my annual pay for each of the three years. I am back to square one if they insist on me paying it. What can I do?
Thanks
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Daniel Griffiths
Junior Member
United Kingdom
268 Posts |
Posted - 22 January 2010 : 20:32:53
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| You really need to speak with them about their calculations and how they have arrived at them. They cannot make you pay anything if it leaves you with not enough to live on, was this not mentioned and gone through at the interview. |
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lensbells
Starting Member
United Kingdom
6 Posts |
Posted - 22 January 2010 : 20:39:01
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Thanks for the reply,
It is strange because I have only just sent the paperwork back you them with regards to my expenditure and early release 4 days ago and the letter I recived today was dated the 20th. That surely wouldn't have given them enough time to calculate anything. I have draughted a letter and I will post it tomorrow. |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 23 January 2010 : 07:29:16
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This sounds like it may have come from the RTLU as they will normally send an IPOQ (updated I&E form) when considering an ED. Several other people have posted similar issues with the RTLU increasing their IPA by a significant amount over what they agreed with the OR.
Ask for a breakdown of the figures in the I&E so you can see what they have changed. |
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lensbells
Starting Member
United Kingdom
6 Posts |
Posted - 23 January 2010 : 16:09:15
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Thanks for the reply,
You say that I should have already agreed and amount with the OR? I haven't had that conversation with anyone should I have done? Does every bankrupt person have to pay an IPA?
Thanks |
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Daniel Griffiths
Junior Member
United Kingdom
268 Posts |
Posted - 23 January 2010 : 17:05:14
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| I think you will have to wait till Monday to sort this out, you should know about this, and you do not, thats why it is an Income Payments Agreement an agreement between you and the Official Receiver. |
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Jane.l
Average Member
511 Posts |
Posted - 24 January 2010 : 12:12:14
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yes, do not sign it if you do not agree to it, we got sent one out of the blue too and questioned it (did not get one in the end)
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 24 January 2010 : 12:46:03
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quote:
Originally posted by lensbells
Thanks for the reply,
You say that I should have already agreed and amount with the OR? I haven't had that conversation with anyone should I have done? Does every bankrupt person have to pay an IPA?
Thanks
You only have to pay an IPA if you have more than £99 DI (Disposable Income) i.e. after you have paid rent, food, utility bills, etc.
The letter that is normally sent regarding the IPA just mentions that figure that you should pay without breaking it down. There should also be a form to sign and a letter telling you that you need to sign the form within 14 days.
The IPA is an agreement between you and the OR so if you do not agree with the amount you should be paying then you are perfectly within your rights to query this and ask for a breakdown of the figures. |
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lensbells
Starting Member
United Kingdom
6 Posts |
Posted - 24 January 2010 : 17:33:05
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Thank you ever so much everyone. Your help is much appreciated.
xxx |
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Income Payments Agreement
