Disposable income / IPA Joint?

LilyBart

Oh dear. Well, if they don't contribute, it's immaterial. But you're supposed to notify the OR of any financial changes within 21 days. Is this other half self-employed? If so, take an average from their last three months' earnings and calculate from that.

davetheman

She does the odd day of casual, so the average is around £115 per month, but this is reducing each month.

LilyBart

Estimate low, then. And don't forget to offset transport costs etc.

davetheman

I was just going to copy my SOA and then put her income average and my income as well, would this be correct?, however at the moment she needs fuel for job seeking, which I did not include on my SOA

Bnjracing

Tread very carefully on this one if you are close to the IPA allowance of £99 each. Currently arguing (discussing forcefully) with our OR. We had a joint disposable income of £129 and were advised that I wouldn't have an IPA but husband would of £64 per month. No no I said there shouldn't be any as jointly we are under the £198 limit. As advised by OR we had done two separate SOAs and it did look on paper like we each had £129 available (obviously we didn't as they only asked OH for IPA!) I then worked out separate SOAs as kindly advised on here. My caseworker took it to her boss who apparently just ignored it, said I was over complicating it, and offered to make us both pay IPA of £50 per month once I get back to work as he said jointly we would have £204 disposable. However in the meantime next year's council tax bill has come in with an increase of £21 per month so we are back under the limit again. Sending a copy of this in with my letter so we will see what they have to say this time. We did get EDREV letters about 6 weeks ago but I think this is on hold until IPA sorted out. We get auto discharge in August anyway and I would much prefer to have this without an IPA than ED with IPA for 3 years.

tillboy

Bnjracing wrote: »

Tread very carefully on this one...

How is the disposable income dealt with? say we had £450 surplus as a family, both bankrupt should this be split 2 ways and then separate IPO or one way as technically I'm the only earer but allowing £99 surplus per person?

Bnjracing

Well in OR interview I am sure he said it would be split between us; this is why I was surprised when they decided to try to get OH to agree to one on him and none on me.

tillboy

Apologies for dragging this up again.

I work, my wife studies and looks after the home her income is effectively just working tax credits which are paid to her as the carer of our son (I think this is how it works).

So it looks as though I will get an IPA and she won't

Before I fill out the forms:

Is he £99 "allowance" per person or per IPA, so for arguments sake I get an IPA should they take £99 from each of us then assess the remaining for IPA?

Also what happens with regard to work mileage expenses, would these be classed as income - HMRC don't treat it as such and payments are within HMRC guidelines

w-inthepoo

LilyBart wrote: »

You still have to list it, it's just that they're not supposed to include it in their calculations. If you end up with an IPA that looks wrong, it's the first thing to check.

I know that they arent supposed to included CB in their IPA calculation, but can anyone answer this from their experience.

Is it a case of taking the CB straight of the total figure in the SOA / I&E or would the OR look to reduce your outgoings in other areas to as to account for the CB and "create" a surplus from which to base an IPA.

If you see what I mean................

beentheredonethatstilhere

tillboy wrote: »

Apologies for dragging this up again.

I work, my wife studies and looks after the home her income is effectively just working tax credits which are paid to her as the carer of our son (I think this is how it works).

So it looks as though I will get an IPA and she won't

Before I fill out the forms:

Is he £99 "allowance" per person or per IPA, so for arguments sake I get an IPA should they take £99 from each of us then assess the remaining for IPA?

Also what happens with regard to work mileage expenses, would these be classed as income - HMRC don't treat it as such and payments are within HMRC guidelines

They will look at each SOA form seperatly. So if your OH has no/low income she will not get an IPA. If you have a good income they will look at your surplus and calculate your IPA from the full amout, not minus £99 ie: if you had £98 surplus then no IPA but if you have £101 surplus then you pay a £50 IPA.

There is an IPA table around here somewhere, I am sure someone will post it up soon.