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forum expert

United Kingdom
3290 Posts

Posted - 23 July 2011 :  20:38:36  Show Profile  Reply with Quote
I hope MB have improved since I spoke to them! I ended up contacting the RTLU myself as MB weren't very helpful. I much preferred dealing with their predecessors at Clarke Willmott.

View my blog at http://skippy13.blogs.iva.co.uk/

Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.

Last IPA payment made on 28th June 2010 - it's over at last!
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Starting Member

United Kingdom
40 Posts

Posted - 05 August 2011 :  14:00:17  Show Profile  Reply with Quote

I contacted both the OR and MoonBeever (MB) last week in respect of my impending 'change of circumstance' (CoC). MB have since sent me a form to 'detail' the CoC and the OR has informed me that my case has now passed to RTLU. Upon this I contacted RTLU to enquire of the 'mechanism' for further administration of my BR and IPA. RTLU informed me that MB should always be my 1st point of contact and that the CoC form (once completed and returned to MB) will be assessed by them in conjunction with MB in order to determine if a re-assessment or suspension of any IPA is appropriate.
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Starting Member

United Kingdom
40 Posts

Posted - 20 November 2011 :  13:31:27  Show Profile  Reply with Quote

Following re-assessment and evidence submission I am delighted to report that the OR has suspended my IPA, 'til such time as my circumstances change - it being incumbent upon me to inform them of such. Moreover, I have also received a letter from MB informing me that the OR has instructed them to 'close the file' on me!

Some good news I guess! However, it could all be academic - I find out on Dec 10th if I am to be made redundant...that'd be a nice early Christmas present!!!
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forum expert

United Kingdom
2211 Posts

Posted - 21 November 2011 :  10:04:44  Show Profile  Reply with Quote
Good news about the IPA godfer. I hope your job is safe, fingers crossed for you.

Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/
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xmas baby
Average Member

537 Posts

Posted - 21 November 2011 :  11:12:40  Show Profile  Reply with Quote
In my previous post I mentioned that I was hesitant in contacting the RTLU with regards my change in I&E as they tend to be much stricter than the OR's office... in my experience. However, I was really pleasantly surprised that they have actually suspended my IPA payments for the remainder of my IPA (which comes to an end in April 2012). I wrote to them informing them of my rent increase due to my moving recently and sent them proof of the tenancy agreement. I also explained that my housekeeping costs had increased over the past 6 months and although I was hoping they would reduce my IPA payments to a more manageable level, I was not expecting them to suspend it altogether. I had been paying the full amount for the past 30 months, so maybe they could see I wasn't trying to pull a fast one and just needed help with the increase in my expenditures. I think if you are really honest with them and explain your financial situations they will try to help you and hopefully reduce your IPA. Likewise, if you get a pay rise, it is only fair to inform them of that so they can alter your IPA accordingly. It works both ways.

xmas baby
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Richard P
Senior Member

United Kingdom
1701 Posts

Posted - 21 November 2011 :  17:21:21  Show Profile  Reply with Quote
Hi Godfer

good news, honesty does prevail

after 6 - 9 months of suspension it is likely that the trustees will ask for an AGM of creditors and ask to be discharged as your trustees

I have found that this is not want to ask for as it is at the discretion of the trustees.

if that happens your IPA concludes at the discharge of the trustees (for those with insomnia Insolvency act sect 299 - 334)

Good Luck Richard,
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