Merry - Ramblings of an undischarged bankrupt!

Merry_Gentry

Hey Tiger, I read somewhere on here that there is going to be a discount on Family & Friends Railcards - worth keeping an eye out mate

Merry_Gentry

Starting to worry - still not heard anything back from my OR's office about the nil tax IPA and Housing Benefit thing, but not been paying it for the last couple of months. I don't really want to call them :eek: but do you reckon I should? I emailed them again not long ago saying I was stll waiting to hear their suggestions...

tigerfeet2006

I read somewhere that they should answer within a set time period, but can't remember what it is

Maybe another email or a letter sent recorded so you know it has been signed for, so you know they have got it.

Merry_Gentry

Thanks Tiger. :beer:

Merry_Gentry

Letter received from Moon Beever this morning, reminding me that I have not paid the IPA from my nil tax code. I have emailed a response, including my OR in the email:

Dear Sir/Madam

Further to your letter dated 5th February 2009 regarding me not paying my IPA. I have twice contacted Mr ### at the Insolvency Office regarding this query.

My housing benefit was reduced by £100 because of the nil tax code that was implemented. According to the Council Office, they view the tax as income, regardless of the fact that I should be paying it to you. I spoke to Mr ##, who contacted the Council to explain that this did not constitute income as I had to pay it to you. The council responded by saying that their decision stands, and my housing benefit was reduced by £100, plus arrears taken of £9.15 per week to take the payment back to October when the nil tax code was implemented.

As I explained to Mr ##, if I continued to pay the £93 I would actually be paying from my benefits, which I can ill afford, and which I believe is not allowed as the benefits are to enable me to live. Mr ## said that he would speak to his supervisor and contact me again. I did not hear from him. I again emailed, asking for clarification regarding the situation, explaining again that if I paid the IPA it would cause me financial hardship. I have not heard from Mr ## again.

I cannot afford to take a reduction of £100 plus arrears in housing benefit and afford to pay the £93 per month - it would cause financial hardship to me and my children, and I believe it is not allowed to insist on an IPA when I am living on benefits.

As such, I will not be paying the £93 until there is a change of mind on the part of the council with regard to the housing benefit. I know I am not the only person in this position, and am surprised that there is not some agreement in place between the insolvency service and the local councils to handle such a situation.

I look forward to hearing your response.

Kind regards



So I guess I wait to hear....

dalip

Hi merry

I think it is about time the IS service just collected everybody's tax straight from HMRC at the end of bc year. Would make things a lot simpler for both us and them. Hope you get it sorted soon girl.


Hows the "man in tight(s) trousers??:rotfl:

Merry_Gentry

He's good thanks. Spent the weekend with him last weekend, but he didn't see much of me - was taking mega painkillers for my back so slept a lot Am chilling out with my ladies this weekend, then a big tidy up cos we have an LL inspection on Monday. :eek:

How you doing?

dalip

Very good merry thankyou. Got the chance to change our shift to mornings as from last monday, so trying to re-adapt to getting up early,just sods law we had snow and frost every morn this wk:mad: .Still, lucky to have a job but work is drying up now so not sure how much longer they will keep us on for. We just make sure we get there on time and turn up every day,,then slogg like crazy.

Sorry to hear your back played up last wkend;) .Glad things are still going ok on the romantic front, if not on the financial side. Can't win em all can we .Dxxxxxxxxxx

fiveyearplan

That email is great - Go Merry!

What? Did you say you stayed in bed all last weekend?

dalip

yes FYP she did but not sure if it was the bad back that kept her in bed or staying in bed which made her back bad:rotfl: