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trish37
Junior Member
170 Posts |
 Posted - 30 May 2009 : 20:47:13
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I had no interview and was given an IPA of £78 but when I got a breakdown of what was allowed by OR they only allowed £82 for Gas and Electric for family of 4. I had asked for £150 and have bills to prove it and when last 6 months are added up both work out to be £178 PM. I have written an Email to OR and have advised them of this and I am willing to produce the bills if needed. If they agree it will mean I have no IPA so I will not sign IPA and send it back until I hear about this. Has anyone had a similar experience and was it allowed after providing proof?
Trish
BR 30/03/2009 |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 30 May 2009 : 22:46:02
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Hi
an IPA is an informal agreement between OR and client, if you disagree you have the right to challenge it, if you provide evidence and the OR still doesnt budge then it goes to a Judge to decide and becomes an IPO which is an income payment order, this cant be challenged as its final.
I would write to the OR provide your income and expenditure and supporting evidence then follow that with a phonecall, if he/she doesnt budge then ask for it to go to the Judge for an IPO.
Best of luck
Stu J Byron |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 31 May 2009 : 08:43:33
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Hi Trish,
If you have the bills to prove that you use an average of £178 gas/electric then this is what you should be allowed.
You have a certain amount of time (either 14 or 21 days, can't remember which) to dispute the IPA so, as Stu says, write back to the OR saying you don't agree with the figures and provide copies of the bills. Send the letter recorded delivery and then follow up with a call once the letter has been received.
It sounds like you were borderline for an IPA as an IPA £78 would mean you would have £156 DI. If the OR allowed you the £150 for gas/electric then you would be under the £99 DI threshold so no IPA. ORs seem to be very strict if the DI is around the £99 threshold. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 31 May 2009 : 10:34:20
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You get 14 days to inform the OR in writing that you don't agree with the IPA figure, and to provide reasons why not. As Gettingoutofdebt says, send a letter and proof of the bills.
An IPA is not an informal agreement, it's a legally binding agreement between the OR and the BR, so don't sign anything yet.
Good luck, and let us know how you get on x
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
23 IPA payments made, 13 to go - on the home straight! |
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Jane.l
Average Member
511 Posts |
Posted - 31 May 2009 : 11:11:12
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| yes, we questioned ours and sent bills and receipts off for pet food, etc and we did not get IPA in the end |
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bang up
New Member
58 Posts |
Posted - 31 May 2009 : 13:22:04
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| in my opinion for my case the o/r just made up the figures as he went along. |
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ripski
New Member
United Kingdom
90 Posts |
Posted - 31 May 2009 : 16:41:43
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I have not received a print out or anything in writing to show how they have made their calculations just a letter to sign.
ripski1 |
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trish37
Junior Member
170 Posts |
Posted - 31 May 2009 : 17:10:14
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Thanks to all of you for the advice, I will give her a call in the morning and get copies of my bills in the post to her. I am hoping that she accepts this as I have the proof
Trish
BR 30/03/2009 |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 31 May 2009 : 17:44:36
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DO A price comparrison also, and hopefuly if this is higher or the same as yours send a print out of that to her too, then she cant argue that you are paying too much
Stu J Byron |
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trish37
Junior Member
170 Posts |
Posted - 17 June 2009 : 19:08:22
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Hi All,
Just to let you know OR came back to me today and allowed £150 for Gas & Electric which results in no IPA
To anyone who does not agree with anything on IPA it is worth sending the evidence if you feel the figures they have allowed are too low....
Trish
BR 30/03/2009 |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 17 June 2009 : 19:38:55
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| Well done Trish, that's good news. It shows that it is definitely worth querying the OR's allowances if you have the documented proof of the amount that you are paying. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 17 June 2009 : 19:39:34
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Good news Trish.
The glimmer gets brighter all the time
Jan
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nicky35
Starting Member
United Kingdom
27 Posts |
Posted - 17 June 2009 : 21:32:20
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| Hi Trish, fantastic news for you, good on ya, i'll keep my eye on that one for ourselves, good luck for the future x |
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jelojo
New Member
United Kingdom
71 Posts |
Posted - 18 June 2009 : 08:27:44
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I agree with you that you should always question the OR if you feel they are wrong.
I got a letter asking me to sign an IPA for £301, however, i had been told no IPA only nil tax code. So i wrote to them saying this and also said my tax is actually only £288.
they wrote back with a new thing to sign saying i would pay £288 of my tax not IPA!
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Topic |
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Has anyone ever questioned OR allowances?
