Went br back in January still trying to sort out my IPA. My OR's office must be stretched to the limit at the moment as it took 5 weeks and three phonecalls to get a breakdown of how they arrived at their figure sent out. In the meantime I've received a payrise so having to be re-calculated. I know I will get an IPA so not a problem. My query is that my partner wants to move back with me, we split last Nov mainly due to the fact that I had kept my financial problems to myself and not been honest with them. We really want to give it another go now but I'm worried as they are in the process of setting up a freelance business and have little is any income. I know I could then claim expenditure for two adults and having done a few sums myself I would still get an IPA just a smaller one which is fine by me. Would the OR have an issue if we were to get back together and look at giving me a BRU? It was threatened at my initial interview back in Jan but I have heard nothing since. I don't want to phone and speak to my examiner about this as I really don't like speaking to her, for some reason I find her really intimidating and not approachable. Would be grateful for any advice please?
the OR should not have a problem with your proposal. Bankruptcy does not disqualify you from having a love life. With a full explanation of how the debt is what led to you being apart temporarily and stating that you guys are giving things another chance then there should be no problem.
Of course if your partner is working then they will be expected to make a contribution, if they dont then you cannot claim the expenditure for two. If they are not working then no problem.
Thanks for all your advice over the passed few weeks. Just to keep you updated the OR has now agreed the BI and title can be transferred straight back to me with no mention of ad valorem fee so that's a huge weight off. Just have to instruct a solicitor and that should be sorted asap.
In terms of my partner moving in we have decided to go ahead and give it another go (another weight off and a sugn of things getting better at long last for me I think) I haven't signed anything regarding an IPA yet so was just going to put it all in writing stating that they are in the process of setting up a business so very little income at this stage, not more than £100 per month at the most. Would we have to provide the books to prove this? Also if it does mean that an IPA will no longer be able to be put in place although I don't think this is the case, could the OR then take me to court to get an IPO as before my partner moves in I would definitely get an IPA. We are not doing this to avoid an IPA in any way shape or form but would the OR see it differently?
Partner moving in advice needed
Posted - 11 May 2009 : 22:04:48
