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mmmmmm

had a IS letter about possible early discharge, asking about employment (nil) and income (nil) and contribution to household bills (nil) as i now live and sponge off the wife (easier than grafting all day)

at first glance this gives a £130 surplus monthly (be still my beating heart, oh joy), but its not my money, its the wifes, im only taking not contributing (i do the washing up and hoovering though)


can the IS impose a IPO?

let em try i say....
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Comments

  • skylight
    skylight Posts: 10,716 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Home Insurance Hacker!
    er no. Its not your money.

    How can your income (£0), less your outgoings (£0) leave a £130 surplus though??? Surely your wife pays everything? Scrap that. just remembered how the forms go! (hehe)

    Make sure that for your income details, the zero is big and fat! And just reduce your wifes household contribution by £130 leaving a surplus of a big fat nothing. It only needs her contribution, not her total income.
  • dalip
    dalip Posts: 7,045 Forumite
    Hi max:hello: Did you have a good break?.Don't forget to send that IPOQ back recorded delivery,will cost your wife £5:rotfl: but be worth it to make sure it gets there. You even get to see who signed for it on-line;) D
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • hey, guess what, theres no surplus now....

    que sera sera
  • dalip wrote: »
    Hi max:hello: Did you have a good break?.

    bloody red hot, saw something called "the sun" up in the sky, i ran and hid from it in the bar

    just talking one of the kids into buying a place in cyprus for me, er, i mean for her...
  • dalip
    dalip Posts: 7,045 Forumite
    Oh nice i like cyprus but it is sooo expensive there. Turkey is nice and not so expensive.D
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • skylight
    skylight Posts: 10,716 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Home Insurance Hacker!
    Don't care where it is as long as I get an invite!!
  • Thought by marriage you and your wife were 'jointly and sevealy liable'??
  • skylight
    skylight Posts: 10,716 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Home Insurance Hacker!
    Thought by marriage you and your wife were 'jointly and sevealy liable'??


    In what sense?? If Max has any joint debts when he went BR, then these will now fall to his wife.

    Do you mean that she should be paying her surplus to his IPA? BR is a personal thing and he is solely responsible for an IPA. If they went BR at the same time, then he still would not pay and IPA and she might under her personal insolvency, but not under any other circumstances.

    Being married does not take away your individuality. Mind you, when married for some time, I have discovered that you both can become a bit blurred though!
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    had a IS letter about possible early discharge, asking about employment (nil) and income (nil) and contribution to household bills (nil) as i now live and sponge off the wife (easier than grafting all day)

    at first glance this gives a £130 surplus monthly (be still my beating heart, oh joy), but its not my money, its the wifes, im only taking not contributing (i do the washing up and hoovering though)


    can the IS impose a IPO?

    let em try i say....

    That doesn't seem fair Max - that you should have to do the washing up and hoovering. Next you'll be wearing a pinny!

    :j :j


  • dalip wrote: »
    Oh nice i like cyprus but it is sooo expensive there. Turkey is nice and not so expensive.D

    kyrenia north cyprus £33,000
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