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 thought that dla was not taken into consideration
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Junior Member

United Kingdom
344 Posts

Posted - 16 October 2008 :  07:32:17  Show Profile  Reply with Quote
Hey Doug

Do keep us posted on that and "fingers crossed" you will get this sorted once and for all.

Take care

Jo x

Please visit my blog for info on how I got here and other information to guide you through from my experience called:

"Needafriends Links and added info on Bankruptcy!" available to view at:

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New Member

United Kingdom
73 Posts

Posted - 16 October 2008 :  12:02:05  Show Profile  Reply with Quote
Hi Doug
if it were me I would accept that there is a chance of having to pay something BUT - I would most certainly let the Court decide. If there is a hearing you should quote all of the evidence that you have researched suggesting you should not be liable for payment.
Trying to win an arguement against the OR is one thing but I would still put my faith in the justice system. I have read where such incidences have brought the wrath of the judge down heavily on the OR in question.

0800 078 9367
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Junior Member

320 Posts

Posted - 16 October 2008 :  13:06:02  Show Profile  Reply with Quote
just to add to the confusion i had my interview with or on monday and the or i spoke too just said as i was on benefit's as my only source of income there would be no ipa,seems it depend's on who you speak too
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Junior Member

United Kingdom
457 Posts

Posted - 16 October 2008 :  13:11:56  Show Profile  Reply with Quote
Hi Doug,

Just had my interview this morning and he said that as on benefits he couldn't claim an IPO and because he would have to dis-count the CB and DLA he couldn't get a voluntary payment from us either.
I think you were just unlucky with yours but stick it out, the law is the law!

Tracy XX
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Junior Member

182 Posts

Posted - 16 October 2008 :  14:36:37  Show Profile  Reply with Quote
hi,many thanks for all the
support,will keep posting as it goes along....doug
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Junior Member

171 Posts

Posted - 26 February 2009 :  23:25:14  Show Profile  Reply with Quote
hi,upto xmas week the o.r. was insisting that i pay,i made it clear that i was prepared to go to court,he asked for a letter from my doctor which was given and a couple of days later i recieved a phone call from the c.a.b. stating that the o.r. was no longer interested in an agreement.i would like to thank everyone for the help and support,all the best...doug
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New Member

United Kingdom
73 Posts

Posted - 27 February 2009 :  09:08:17  Show Profile  Reply with Quote
Hi doug

unfortunately the OR offices are actually set targets for realising IPA's. This was brought about by major creditors complaining that they felt OR's generally were being too lenient and therefore not recovering enough monies for their benefit.

I think most of us understand that if it is affordable then something should indeed be paid back. Clearly some examiner's find it difficult to identify where an IPA is or is not practical.

The guidleines quoted much earlier in this thread are those set for the examiners and as such, in my view, should be adhered to.

Well done Doug for sticking to your guns and having faith in your civil rights and the forum. A brave thing to do when you feel most of the world is against you.

Debt free, no IPA and now on with the rest of your life.
All the very best.

John White
England Jackman & Spacey
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Starting Member

United Kingdom
7 Posts

Posted - 10 May 2009 :  18:05:36  Show Profile  Reply with Quote
please help feel like my head is going to explode! i went to CAB recently because i was living off my 3childrens dla to pay back my huge debts.i was told to go BR but then i got a letter in post saying i have to much surplus income and to do a voluntery payment instead but the CAB is suggesting i pay 560 a month!! im only on benefits yes it looks alot on paper what i get but its my childrens money! the reason i went 4help in the first place.now i dont know what to do go with what CAB advices or go it alone and go BR cos surely if i do have to pay some back it wont be as much would it? when i first went to CAB she was like oh ur only have to pay a pound a month! i would love to pay my debts back but my life just seems to get worse and now with3children all with high needs i cant see a way out i owe 30,000! any advice pls.:)
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