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stubie
Starting Member
United Kingdom
14 Posts |
 Posted - 26 June 2012 : 23:48:58
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I'm shocked! I'm 62, I receive full pension credit guarantee, housing benefit and council tax benefit. I never expected an IPA. Why? Because I am in receipt of public funds that have been set by the government as the minimum a person needs to live on. But the OR uses different rules.
He says I have a surplus of £143 per month even though the government calculated otherwise. £150 per month of my income comes from a private pension. So they say they can take £143 from that. So, here's the rub.
If I didn't receive a private pension, the government would top up my income by that same amount ie £150. My total income would then be from public funds. The OR could not take that. But because part of my income is private, they can.
So although I am saving the government £150 by having a private pension, the OR can now take it.
I have to live on £1000 per month for the next 3 years to include £625 rent and £75 council tax ie £300 per month even though the government says I need over £400 per month excluding accomodation.
Ouch! That hurts!
I may as well rent a dearer flat and save paying the OR in favour of more comfort.
Regards
Stuart |
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Can do
Starting Member
2 Posts |
Posted - 27 June 2012 : 00:31:36
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Hi stubie,
Unfortunately sometimes the rules dont work well for some people.
When I've been in a similar predicament where the rules didn't work for me, the only thing that was open to me was to see my MP during one of there 'surgeries'.
It probably wont get you anywhere, but at least you will have got it off your chest and voiced your opinion.
You're probably still in a better position to quite a few other people though.
year 2029 |
Edited by - Can do on 27 June 2012 00:31:55 |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 27 June 2012 : 15:21:21
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Just out of curiosity, what 'allowances' did you receive? Did you claim for hairdressing (£10?) pets? (up to £23)phones (£?) food should be around £200 for a single person with cothing around £30 plus 'incidentals' of £50, what about travel costs? do you run a vehicle? ifnot, make sure you calim for public transport costs, is not daily to take account of weekly shopping trips hospital /doctor appointment etc
I would ask the examiner concerned to provide you with a breakdown to ensure that you do have 'enough' to live on, although the OR does not provide enough funds for an excesive lifestyle, you should not be put in a postition that you cannot afford life's essentials. Each of the above items should be in your allowances if applicable, double to check to make sure, perhaps you have had an 'over zealous' examiner..... It is worth double checking. I have had an examiner refuse point blank to allow for haircuts, when the Technical Manual clearly states they can be allowed for, so you have nothing to lose by questioning.
Good luck, Melanie
Melanie Nicholas CertDR
30+years insolvency experience - 23 of which in the Insolvency Service and the past 8 years with a number of IP firms.
If I can be of any help to you in any way or answer any queries, concerns or worries you may have, or with completing the forms for bankruptcy, please do not hesitate to get in touch -I can be contacted via the experts tab
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debtinfo
forum expert
2826 Posts |
Posted - 27 June 2012 : 17:36:59
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| It might be an idea if you pop upa full list of your expenditure for peoples perusal, as melanie says, its not uncommon for people to miss things off, especially if its things that are paid for irregularly |
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year 2029
Average Member
590 Posts |
Posted - 27 June 2012 : 17:59:51
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I used skippys log as a basis, and then used the rules the OR uses from their manual, which can be found online.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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stubie
Starting Member
United Kingdom
14 Posts |
Posted - 27 June 2012 : 21:06:51
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Thanks for your comments. This is what I am allowed
Rent £625
Council Tax (paid directly by benefits)
Housekeeping £208
Gas, electricity £63
Water £20
Landline & internet £36
Clothing & footwear £30
Mobile £10
Stationery/postage/Computer supplies £5
Hairdressing £10
Dental/medical/optical £13 (I get free presciptions & NHS treatment)
Public transport £20 (I have a bus-pass & a bike! for local travel)
UK holiday £20
Contents insurance £4
Emergencies £10
TV licence £12
That should total Total £1107 but if not I've missed something. I'll get the IPA soon to check & sign.
I receive in pension credit guarantee (an entitlement being over 60, not a benefit) & housing benefit. Total income £1238
If anyone can improve on that, I'd be most grateful but I suspect it's pretty standard stuff.
Regards
Stuart |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 27 June 2012 : 21:19:11
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Hi Stuart,
There is nothing I can add to that list or increase unfortunately. You have accounted for everything and the allowances are reasonable.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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stubie
Starting Member
United Kingdom
14 Posts |
Posted - 27 June 2012 : 21:19:56
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OK thanks for looking
Regards
Stuart |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 27 June 2012 : 21:36:47
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Your contents insurance is not very much - ours is a lot more than that.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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stubie
Starting Member
United Kingdom
14 Posts |
Posted - 27 June 2012 : 21:38:03
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1-bed flat. OR allowed me £48 which I think is the max
Regards
Stuart |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 27 June 2012 : 21:40:09
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That's per year I presume?
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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stubie
Starting Member
United Kingdom
14 Posts |
Posted - 27 June 2012 : 21:45:08
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Yes per year
Regards
Stuart |
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year 2029
Average Member
590 Posts |
Posted - 28 June 2012 : 10:35:57
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Is £48 your actual insurance premium, or are you saying that's all they've allowed?
They should allow you the actual premium.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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stubie
Starting Member
United Kingdom
14 Posts |
Posted - 28 June 2012 : 10:41:00
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To be honest I don't have insurance right now but the OR was happy to give me that allowance and said that was the maximum he could give for an annual premium of contents only. I did geta quote a few months back and for a 1-bed flat in Sussex with no policy frills it came to that price.
Regards
Stuart |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 28 June 2012 : 10:55:54
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I think that's very low for contents insurance. I can't remember how much ours is exactly but I think it's around £150 a year.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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year 2029
Average Member
590 Posts |
Posted - 28 June 2012 : 11:06:10
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If it covers your premium, then fair enough.
If you find its now gone up to £60 for example, I'm sure the OR would change their figures.
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Views expressed are my own personal views, based on what has happened during my own BR process unless otherwise stated.
Professional advice should always be sought. |
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Topic |
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First OR meeting, worse than expected
