Results of my OR interview

blind-as-a-bat_2

shadowdragon wrote: »

I cant belive what the OR has done here, when I read the first post I thought to myself, hes cutting back allowances to make sure to get an IPA, reading on it seems thats the case.

I would seriously ring up the OR office and ask to speak to this ORs superior there not following there own rules there.

It would seem he is up to something thats for sure, but i wouldnt ring, this needs to be put in writing, outlining exactly why it is wrong so there can be no argument.

Its easy to get flustered on the phone

MollyBear

blind-as-a-bat wrote: »

You do not enter CB into that calculator anywhere MollyBear Hover your mouse over the little red triangle for instructions/notes

Can i ask is the CTC in your name, if so and if your OR did a separate sheet for each of you i get it to no IPA

The CTC is in both names, the OR said I didn't bring in enough for an IPA but hubby does.

The more I learn the more it seems like its a wrong decision to give us an IPA!

Thank you for explaning it all to me Blind, I'm very grateful!! This forum's a life saver!!

blind-as-a-bat_2

But he cant count it all twice, not that im saying he has, but that may be another explanation.

If he says its joint it should have been split 50/50 on each of your income sections.

And iMHO that is wrong anyway as it is niether of your incomes, its paid for your kids, but im not going to start that one now, it will only cloud the issue

blind-as-a-bat_2

blind-as-a-bat wrote: »

But he cant count it all twice, not that im saying he has, but that may be another explanation.

If he says its joint it should have been split 50/50 on each of your income sections.

And iMHO that is wrong anyway as it is niether of your incomes, its paid for your kids, but im not going to start that one now, it will only cloud the issue

Actually thats got me thinking thats what he has done, i will have to see how that would work out in the differant scenarious when i get a min or two

blind-as-a-bat_2

MollyBear wrote: »

He was going to give us one for £240.00 a month......

Hmmm if you add CTC to yours and your OH,s it comes to £255 Still doesnt fit but may explain the £240 quoted above.

There is something very wrong with the way he has assesed this, no matter wich way i do it i cant get it to £200, even if you round it up or down

blind-as-a-bat_2

I can get it to £208 IF i include CTC and CB as an income source for your OH which he may have rounded down to £200

I really think your examiner is playing games here

peachyprice

MollyBear wrote: »

This is how I filled it in, probably wrong lol!!

MONTHLY INCOME - Bankrupt

INCOME SOURCE 11,704

Total1,704

MONTHLY INCOME - Other sources

INCOME SOURCE 1: 350 (my wage)

INCOME SOURCE 2: 402 (CTC)

INCOME SOURCE 3: 276 (CB)

Total 1,028


TOTAL INCOME 2,732

Bankrupt's %age of Total Income 62

Other sources %age of Total Income 38

I can see where you've gone wrong Molly, under monthly income you need to put
1, 1702
2, 350
3, 402

Under Income - Othere sources you
1, 276 (CB)
But this doesn't get taken into account when the form calculates, you'll get the same result if you leave this box blank.

That gives you this result, which is what your IPA should be


Total Outgoings £2,334
Bankrupt's disposable income £122
Percentage to be collected 50%
Assessed monthly rate £ 61

peachyprice

Molly, did he say what he'd put back on when he changed it from £240 to £200?

MollyBear

I have changed the calculator to what you said and it matches your results now, thank you!

He didnt say what he'd changed, he told me £240 and then when he did hubbys after he said he'd lowered it to £200, said something about he should take 60odd% but he'd take a lower percentage instead??

Thanks for helping.

Molly
x

MollyBear

I've put down that all the outgoings are shared and it comes up like this:

Total Outgoings 2,334


Bankrupt's disposable income 358

Percentage to be collected 66

Assessed monthly payment rate 236


This is probably where he got the £240 from then??