We went BR in January and so far so good. The BR date was 22nd and we had the OR telephone interview a week later where we went over our I&E as per our BR forms. A week or so later we received another IPOQ which we had to return within another week. We filled that in and sent it off but never received any further correspondence or calls. I had to ring the ORs office to find out where we stood as we were still on a bit of a knife edge as to where we stood and was told that that had re-evaluated our position and that due to the details we submitted that an IPA couldn't be put in place as we had no funds left over but they never responded as they were too busy. We were also told that we would be sent another IPOQ in 6 months or so to see if our position had changed.
When that 2nd IPOQ is received do we have to go through the procedure of resupplying all bank statements/pay slips etc again as I am not getting a pay rise this year due to the economic situation and my wife isn't working due to health issues and wont be for the forseeable future. How often do they re-evaluate your position? I informed the examiner this at the time.
If the OR on reviewing the file thought an IPO was likely, belive me, the would have been in touch!. The fact that your income levels are low due to your wife's illhealth probably means that there is not disposible income (or it is less than £100) and as such they will not pursue an IPO so have not been in touch.
To be honest I would not worry, even if your circumstances changed and you now had a disposable income above £100 - and they looked to put an IPO in place it would not be backdated in any way, so you really have no need to worry.
Hope this has helped in some small way.
Melanie Nicholas 28 years insolvency experience - 23 of which in the Insolvency Service - Insolvency Manager Jones Giles
Question re IPOQs
Posted - 26 March 2009 : 12:20:55
