IPA and Early Discharge

rohsdad

Hi all.

I would like your thoughts on this.

Having read through some recent threads concerning E/D, am I right in thinking that if E/D is granted without an IPA in place, it is highly unlikely that an IPA will be imposed. Unless of course one has been a bad boy/girl with the O/R.

The reason im interested, is as to whether being employed or unemployed may sway the decision for E/D?

For instance, employed without disposable funds to pay into an IPA might possibly make the O/R think no chance of extra money so will grant E/D, however unemployed with the possibility of work and disposable income might stall the O/R into waiting the full term before discharge.

Perhaps im barking up the wrong tree but it would be interesting to see how many unemployed, unfortunately like myself, who received E/D compared to those in work.

I had my interview with the O/R last week which went very well, E/D was mentioned but not to bank on it, being unemployed makes me wonder whether i'll serve out the full 12 months :eek:.

Rohsdad.

Matt1982

My understanding is there is no set criteria for ED. Your case will be reviewed like everyone else and if the OR feels ED is possible will do this. I dont think you score a better chance for being unemployed.

The best piece of advice I have been given on here is dont expect ED. End of the day if it happens it will be a bonus. We would all like it and not saying it doesnt cross my mind but if it happens it happens.

Best of luck.

dojoman

rohsdad wrote: »

Hi all.

I would like your thoughts on this.

Having read through some recent threads concerning E/D, am I right in thinking that if E/D is granted without an IPA in place, it is highly unlikely that an IPA will be imposed. Unless of course one has been a bad boy/girl with the O/R.

Rohsdad.

Once you are discharged whether ED or AD, if there is no IPA in place you will not get one. And if you have been a ""bad boy/girl" with the OR you will not get ED and you might not get AD after 12 months either.

debtinfo

whether you get put forward for ED is soley based on wether there has been misconduct and if the admin is completed on your case. What does change though is that if you are unlikely to work again then you will not get an extra income check

miss_spooky

rohsdad wrote: »

Hi all.


The reason im interested, is as to whether being employed or unemployed may sway the decision for E/D?

For instance, employed without disposable funds to pay into an IPA might possibly make the O/R think no chance of extra money so will grant E/D, however unemployed with the possibility of work and disposable income might stall the O/R into waiting the full term before discharge.

Hi,

To put into perspective My Oh & I both declared BR 20th July 2009. I was discharged in 26 Jan 2010. I'm a SAHM & reg Carer for my son. Mine was direct from OR. OH was working until Nove (no IPA) then lost his job. Today he received his IPQO for ED. His was from RTLU (sp).

A friend went br 11 November 2009, also received IPQO today. She works.

As Debtinfo has mentioned and often raised by others in this forum, ED is not an essential part of the paperwork for the OR or Courts to deal with, it gets done when they have time and all the other investigations have taken place. I think 5 months is the earliest seen on here, though set time limits for creditor reports to go out etc is around 6 months.


The worst part is over, you have declared yourself BR, now you can start to rebuild your life. Just don't let this minor detail hang over your head. You will get Discharge whether it be ED or AD.

Good luck.

rohsdad

Thanks for the advice, I am looking forward to the day when I can check the IS and see the word discharged.

It feels a little surreal at the moment, perhaps it just hasnt sunk in yet but at the moment i still dont feel as if im BR although it is over a month now.

Even after leaving court which as everybody has said on here is a non event, the chat with the O/R, once again no finger wagging, just a general chat about how the debt had occured.

Its amazing that it took a good few years to build up the debt, and yet totalling up the time spent filling in BR forms, visit to the court, chat with the O/R it probably adds to around six hours of actual work not taking into consideration the time spent reading this forum, (I would have been lost without it:T.)

Anybody else feel, "was that it"?

Rohsdad.