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newbee
New Member
United Kingdom
94 Posts |
 Posted - 09 January 2010 : 11:54:31
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| hi i have recieved a letter today from the or saying that they are setting up a ipa for myself for £55 and my husband £170 this has all come from the forms i sent in for early discharge we both wasnt paying into a ipa before and now they think we have a spare £225 each mouth i dont no what to do its the weekend and cant get hold of any one on my i&e form it showed a di of £71 so where has the £225 come from what should i do next help .. |
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debtinfo
forum expert
2826 Posts |
Posted - 09 January 2010 : 12:11:23
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| first you need to understand what has been included or not, ask for a breakdow of how the decision has been reached |
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Jane.l
Average Member
511 Posts |
Posted - 09 January 2010 : 12:24:45
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This exact same thing happened to us.
I sent in the I&E for hubby for early discharge, (I was not working and we only had his income for 2 adults and 3 children)
We had £20 DI but the OR sent us an IPA for hubby for £52.
Hubby was all ready for signing it for an easy life but I said NO, we cannot afford it and I did not go bankrupt to struggle on for another 3 years, no way.
We requested a breakdown from the OR in WRITING but they were very reluctant to do this, but we insisted, they had cut some of our allowances and not allowed certain things like home contents insurance and optician costs. We had to send in all our bills and receipts for everything to prove what we spent and in the end we did not get an IPA and were discharged early.
I was prepared to be taken to court over this but for such a borderline amount, I knew the OR would not do this.
I agree that you need a WRITTEN breakdown to see where these figures have come from and then you can take it from there
If I had known it would have caused as much hassle and stress as it did, I would not have filled in the ED form, I would rather have had no IPA than be discharged early, but in the end we got both
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Jane.l
Average Member
511 Posts |
Posted - 09 January 2010 : 12:27:22
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| ETA; do NOT sign the form if you disagree with it |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 January 2010 : 13:40:08
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Don't sign anything, and ask for a breakdown so you can see where the OR thinks the extra money has come from.
Was this from the RTLU? They seem to be tighter in their allowances than the original OR's office.
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/
30 IPA payments made, 6 to go - the end is in sight! |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 09 January 2010 : 20:40:52
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If you are being asked to pay £225 then they are assuming you have over £300 disposablebecause they only take a percentage.
ask for a breakdown incase it is an error
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
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newbee
New Member
United Kingdom
94 Posts |
Posted - 10 January 2010 : 15:37:15
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| hi no our file hasnt gone to the RTLU it is still with the or the confussing thing the or let us keep the internet for work and my sons swimming as he has a medical condition and we sent proof for all this and they were happy with it but now it loooks like we cant have it but even adding thses things up it still doesnt come anywere near to the sum of money there must have found from somewhere . its times like this that i hate weekends as i ust want to get this sorted as i cant sleep for worrying but i will be sure to ring them first thing tomorrow and hope to get to the bottom of it |
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NOW BEEN GIVEN A IPA THAT I CAN NO WAY AFFORD !!
