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ipa

hello
my partner had a letter from our bankruptcy people today saying she has to pay ipa of £94 a month which we can,t do as we have no excess income.We rang them up and they said they get back to us. Heres are expenitures monthly

Gas/electric £150
Rent £120 are rent would be £300 but we get rent rebate as on low income
ct £50 are council tax would be £100 but we get rebate
water £39 are income is monthly
internet £50 £367 wages
clothing £100 £175 child benfit
petrol £100 £804 working tax credit,child tax credit
tv licensce £12
car insurance £45
washing machine
insurance £8
car maintenance costs £15
car tax £17
school trips £10 not all just cheap ones
food £600 theres 2 adults 3 kids 15,10,8
we have not included house insurance can,t afford it,birthday pressies,xmas ,small hoildays,does my expeniture seem right is there anything i can add
ps sorry about my grammar again
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Comments

  • peachyprice
    peachyprice Posts: 22,346 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    sadlybroke wrote: »
    hello
    my partner had a letter from our bankruptcy people today saying she has to pay ipa of £94 a month which we can,t do as we have no excess income.We rang them up and they said they get back to us. Heres are expenitures monthly

    £367 wages
    £175 Child benefit
    £804 Tax credits

    £ 1346


    Gas/electric £150
    Rent £120 are rent would be £300 but we get rent rebate as on low income
    ct £50 are council tax would be £100 but we get rebate
    water £39 are income is monthly
    internet £50
    clothing £100
    petrol £100
    tv licensce £12
    car insurance £45
    washing machine
    insurance £8
    car maintenance costs £15
    car tax £17
    school trips £10 not all just cheap ones
    food £600

    £ 1316

    theres 2 adults 3 kids 15,10,8
    we have not included house insurance can,t afford it,birthday pressies,xmas ,small hoildays,does my expeniture seem right is there anything i can add
    ps sorry about my grammar again

    You need to ask them what they have disallowed, because for the life of me I cannot see where they got that sort of excess from. Remeber it's a agreement, you don't have to sign it until you agree with the figures and you have a right to challenge their figures.

    You could always email them for a quicker response.

    Good luck.
    Accept your past without regret, handle your present with confidence and face your future without fear
  • skylight
    skylight Posts: 10,716 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Home Insurance Hacker!
    Totally agree. Ask them what they have used and ask for a complete breakdown. To get an IPA of £94, you needed a surplus if £188 and be blowed if I can find it on that.

    And as mentioned, its an agreement (hence the A bit in IPA!) If you do not agree, then don't.
  • dalip
    dalip Posts: 7,045 Forumite
    They may have dissallowed the £50 for internet but you have nothing for phone ect. Did you both go bc or just your wife?. If you both went bc did you both submit the same i&e?. Ask for a breakdown of how they arrived at that figure.

    Another possibility is if your wife works might it be a NT IPA?.

    Thats all can think of like peachy i am stumped too:o .Dx
    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
  • Income:
    wages 367
    Child Benefit 175
    Tax credits 804
    TOTAL INCOME 1346 - although child benefit cannot be used in calculation for IPA
    Gas/electric £150
    Rent £120
    ct £50
    water £39
    internet £50 not allowed but instead telephone £50
    clothing £150
    petrol £100
    tv licensce £12
    car insurance £45
    washing machine insurance £8
    car maintenance costs £15
    car tax £17
    food £550


    TOTAL OUTGOINGS 1306
    and that's without allowing anything for children's activities, haircuts or a very basic holiday!
    :j BSC 221 :j
    January 2009 Club Number 7
    BR 30.01.09
  • hello again
    are income is £367 wages monthly
    £175 child benfit (can they include this)
    £804 working tax credit,child tax credit
    total £1346

    they just rang us back they won,t include car insurance,or anything to do with the car,they told us are food bill is to much they say £480 a month for 2 adults 3 children 1 dog we have not included any savings for birthdays,xmas,plus are eldest child needs a pda for school which school suppys for £10 a month we have not included hair cuts etc.what they are doing now is sending us out another form to fill out and we need to break everthing down is there anything we can write down
    ps on the car front my partner works at garage/supermarket she works 1 shift where she finishs 11pm so she misses last bus plus on a regular basis she has to refuse the local thugs on drinks ,cigs so she does not want to be hanging about when she finishes(the security guard in the building gets abusive all the time when he leaves she told this to them but they took no notice.
    sorry about my grammar
  • Hi

    I guess they are thinking the car costs so much pro rata to the income. How would it be then if your partner worked elsewhere so they didn't need a car? Might be worth asking them?

    Seems they're being very picky with you. When you get the next form I would add in haircuts at 10 per adult and 5 per child, 5 per child per week for activities, 50 for a holiday - see how that works.

    best of luck
    :j BSC 221 :j
    January 2009 Club Number 7
    BR 30.01.09
  • skylight
    skylight Posts: 10,716 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Home Insurance Hacker!
    Agree. When you get the next form add stuff in you missed off - holiday, Hse Ins etc cos you left them off.

    Plus tell them in no uncertain terms that with no transport there will be no job. The food bill is NOT too high and we can pull details off the national debtline site thats used for DMPs etc, to give an idea of what can be had.

    PLUS - it looks as if they have included child benefit in the calculations. They are not allowed to do that! Collectively we will tell them to bog off for you!
  • peachyprice
    peachyprice Posts: 22,346 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    SB, did you both go BR or just your partner?
    Accept your past without regret, handle your present with confidence and face your future without fear
  • Sunk
    Sunk Posts: 423 Forumite
    My OR told me that for a family of 2adults/3 children house-keeping allowance is £600.00, this is based on government guidelines 3years ago.
    I disagreed, I said £780.00 it what it costs us......the rising costs are ridiculous.
    I have saved every receipt for the last 4months & sent them off to the OR.
    The OR has just returned them to me.:D
    No comment from OR so that figure has been accepted I take it.
    BR 08/05/2008
    ED 29/10/2008
  • dalip
    dalip Posts: 7,045 Forumite
    Before you send the nxt one post it here first and we will check it for you. They may jut be trying it on,they do sometimes:rolleyes: .

    Will ask again as it makes a big difference did just your OH go bc as if so you DO NOT put your full income only YOUR CONTRIBUTION to household bills. Is the car in your OH name,if not then that may be why they have disallowed any car expenditure. In that case you need to put something down for ess travel. If it was me i would quote the cost of a taxi home on the nights your OH works late!!!!;)
    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
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