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No Interview and got IPA Today

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Comments

  • restofmylife
    restofmylife Posts: 203 Forumite
    Part of the Furniture Name Dropper Combo Breaker
    That's brilliant news :j

    Drinks on you tonight then :beer:

    Yep the wine is chilling as we speak:beer:
    Waiting for defaults to start self managed DMP
  • restofmylife
    restofmylife Posts: 203 Forumite
    Part of the Furniture Name Dropper Combo Breaker
    Bet she had steam coming out of her ears having to give in:p:rotfl:

    But regardless how you got there, at last the correct result;)

    Well done for not letting it go, and congratulations:D

    Thanks Blind you gave me some great advice and the confidence to question everything - my OR even thanked me for my detailed Emails over last few months:j:j:j She probably knew I would come back again if she tried to refuse:rotfl::rotfl::rotfl:
    Waiting for defaults to start self managed DMP
  • yellowmonkey
    yellowmonkey Posts: 7,052 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Good news and well done for sticking with it :beer:

    ym
  • stintond
    stintond Posts: 178 Forumite
    Please remember they cant use child benefit for use of IPA and i dont think they can use your sons dla either, so with your figures you shouldnt have ipa, i would ask to see how they have worked that out.

    Your income includes all payments you get,
    including income from self-employment, PAYE
    7
    employment, benefits (including child benefit and
    child tax credit), working tax credit and any
    payments under a pension scheme.
    You will be asked to provide details of your


    Quote from the insolvency service website , incompe payment order section
    I thought they could nt take these figures into account , but it seems they can

  • dalip
    dalip Posts: 7,045 Forumite
    I am so pleased or you. I have to say this site......especially bat and fermi....gave me the confidence to fight my OR too and i won:j. I think without this forum and the empowerment(knowledge is power;)) a lot of us would just accept what OR's say as gospel and be poorer for it.


    Now roll on discharge date for you;).

    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
  • Tristesse
    Tristesse Posts: 190 Forumite
    That has completely panicked me so I checked and it says this on my screen :)

    What do I include in my income?

    Your income includes all payments you get,
    including income from self-employment, PAYE employment, benefits (excluding child benefits),
    working tax credit and any
    payments under a pension scheme.

    Does that mean that child tax credit isn't counted either I wonder?
  • stintond
    stintond Posts: 178 Forumite
    I guess youre going to have to ring the insolvency service up , but even then ,it might depend on who answers the phone. I presume you are worried about an IPA like I am. If possible , would it be a good idea to adjust the figures to your advantage no matter whether the benefits are counted or not.
    For example , on my soa I showed a neg balance of 200 pounds.
    I did this by reducing my working hours
  • restofmylife
    restofmylife Posts: 203 Forumite
    Part of the Furniture Name Dropper Combo Breaker
    dalip wrote: »
    I am so pleased or you. I have to say this site......especially bat and fermi....gave me the confidence to fight my OR too and i won:j. I think without this forum and the empowerment(knowledge is power;)) a lot of us would just accept what OR's say as gospel and be poorer for it.


    Now roll on discharge date for you;).

    Dx

    Thanks Dalip,

    I do agree knowledge is power and would advise anyone who has no interview and gets IPA to ask for a breakdown of allowances like I did and question it. I nearly gave up but after reading more posts thought "why should I" and carried on resulting in no IPA:):T:T
    Waiting for defaults to start self managed DMP
  • JCS1
    JCS1 Posts: 5,336 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Tristesse wrote: »
    That has completely panicked me so I checked and it says this on my screen :)

    What do I include in my income?

    Your income includes all payments you get,
    including income from self-employment, PAYE employment, benefits (excluding child benefits),
    working tax credit and any
    payments under a pension scheme.

    Does that mean that child tax credit isn't counted either I wonder?

    Only child benefit - child tax credit is included as income for IPA purposes.
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