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If I get a job will a IPA change?

2

Comments

  • dalip
    dalip Posts: 7,045 Forumite
    Ok i hold my hands up, i assume too much: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
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    thats you told dalip!
    We all die. The goal isn't to live forever, the goal is to create something that will
  • dalip
    dalip Posts: 7,045 Forumite
    thats you told dalip!

    Yep phil hang my head in shame:o
    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
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    dalip wrote: »
    Yep phil hang my head in shame:o


    you and me both :rolleyes: :rolleyes: ;)
    We all die. The goal isn't to live forever, the goal is to create something that will
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Energised wrote: »
    Well, that sucks :(.

    Does that only count for the term you are an un discharged bankrupt?


    Not quite the easiest way out you thought then? :rolleyes:
    sorry though no need to shout at dalip...if the question had been better worded
    We all die. The goal isn't to live forever, the goal is to create something that will
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Don't forget that your SoA will change when you get work. Things like your travel will increase. So pop back on here with your new SoA when you do get work.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • Energised
    Energised Posts: 266 Forumite
    Not quite the easiest way out you thought then? :rolleyes:
    sorry though no need to shout at dalip...if the question had been better worded

    You know considering this board is apparently not for judgement you fine people don't half do some judging.

    I didn't shout at anyone.

    It's nice how those of you who've posted a bit think you've the right to lay judgement.

    Frankly, you're worse than the trolls.
  • Energised
    Energised Posts: 266 Forumite
    Not quite the easiest way out you thought then? :rolleyes:
    sorry though no need to shout at dalip...if the question had been better worded

    Don't talk crap, if the question had have been "I've been offered a job and don't want to take it because I'm worried about an IPA being put in place" maybe Dalip would've had the right to make that assumption.

    As it was I simply stated "If I get a job after BR will I have to start paying an IPA".

    My debts have almost driven me to suicide, you don't know me or anything about me so why don't you just sod off if you've nothing constructive to say.

    Or you could just spend your time on here backing up your internet mates.
  • Energised
    Energised Posts: 266 Forumite
    Don't forget that your SoA will change when you get work. Things like your travel will increase. So pop back on here with your new SoA when you do get work.

    Thank you Tiger Feet.
  • skylight
    skylight Posts: 10,716 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Home Insurance Hacker!
    CHILL!!!! Everyone!! Right now, or else I'll be round to nick the chocolate biscuits.

    Energised - as I am sure you can understand, this place attracts lots of people. Some are trolls, some need help desperately and occasionally people in the middle that want to go BR and avoid as much as possible.

    The way your post was worded could have been misunderstood - likewise it was just a smilie from Dalip. If people here where mean, then your question wouldn't have been answered at all. Please do not take offence.

    BR is tough and the majority of those above have come out the otherside, (allegedly - LOL!) better people for it. I guess that you can become a little complaicent with the whole process - I find myself getting a little short with people sometimes too.


    But I think that the point being made about the IPA, is that its best to work out 2xSOAs as your outgoings will also increase with a job. Then see whats the difference. Afterall, paying an IPA for a nominal amount for 3 years can be far better than missing out on all the rest of the surplus. But you need to work it out.

    And PS - I have only a few weeks until AD. I have just started to look for a job. Okay, I have had a baby in between BR and now, but it was always my intention not to look for a job until AD unless I really, really had too. Right now, I really, really have to, so I am hoping NOT to find one until AD!
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