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When calculating I&E what does the OR allow

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Comments

  • Hi Queen and SA,

    sorry to worry you:o! As skylight and fyp have said, the I&E can be done when it needs to be, and the IPA can't be backdated! I'm really glad OH is getting back on his feet - hope it all goes well for you both! CBx
  • dalip
    dalip Posts: 7,045 Forumite
    Queen

    As others have said don't worry about it till it happens. They may be soo busy they forget you;) .

    If not as soon as you get your IPOQ through post your i&e up here and we will mess with it until it's as close to perfect as we can get it.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
  • startagain_2
    startagain_2 Posts: 2,135 Forumite
    Hello everyone,

    At the risk of highjacking Queen's thread :o but it does sort of go with the flow.....

    How is an IPA collected? Is it a standing order or direct debit?

    Great news that it can't be backdated. After being in debt for so long I hate to think that I may owe the OR after BR!

    I promise I will stay quiet after this ........ ;)

    SA
    2011 - New year, New start, New me
    [STRIKE]Planning on [/STRIKE] making my dreams a reality
  • dalip
    dalip Posts: 7,045 Forumite
    The collection agency for the OR ,which was clarke willmot but is now moon bever,send out a whole host of ways to pay and you choose whichever is easier for you. I was notified in dec 07 by my OR of my IPA but CW did not contact me till jan and my first payment was feb. 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
  • startagain_2
    startagain_2 Posts: 2,135 Forumite
    dalip wrote: »
    The collection agency for the OR ,which was clarke willmot but is now moon bever,send out a whole host of ways to pay and you choose whichever is easier for you. I was notified in dec 07 by my OR of my IPA but CW did not contact me till jan and my first payment was feb. Dx


    Hi dalip,
    thanks for the reply ........ so you made the first payment in the same month that you changed your job? Complicated!

    SA
    2011 - New year, New start, New me
    [STRIKE]Planning on [/STRIKE] making my dreams a reality
  • Queen
    Queen Posts: 788 Forumite
    Thank you for all your comments and support, I hope that 2009 is a better year, however I don't think it can be any worse that 2008, good luck to everyone
  • startagain_2
    startagain_2 Posts: 2,135 Forumite
    Queen wrote: »
    Thank you for all your comments and support, I hope that 2009 is a better year, however I don't think it can be any worse that 2008, good luck to everyone


    Hello Queen,

    I think that there are a few of us thinking exactly the same as you!!! :rolleyes:

    A fresh start in 2009......

    :T
    SA
    2011 - New year, New start, New me
    [STRIKE]Planning on [/STRIKE] making my dreams a reality
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