I cannot see why “trying to avoid paying an IPA”is such a bad thing. If you are BR then by default you are short of money...with lots of other problems to deal with. Becoming solvent as quick as possible is my main aim....enjoying a debt free life as soon as I can...then pay tax..national insurance back into the revenue .So until such time as things change I will use all current rules and regulations to my advantage .
Nothing in my postings encourages people to do anything wrong...just to use the system to their own advantage. Not too long ago the IS move the goal posts and lowered the disposable income level to get more money for the treasury...they were using the system to their own advantage and playing by the rules ...the same rules apply to us.