Can I just double check something please?

alfiemama

Me and hubby are going br soon and just rang insolvency company that cccs recommended.
Basically, I don't work at the moment as due to have a baby in 2 months and hubby's hours look like they are being cut to part time.
So I will be claiming benefits and hubby will be main earner. I also get dla and carers for disabled son.

My question is the insolvency company said there is no such thing as a joint br and I will not get and ipa as on benefits but hubby has to list all the bills in his name (all of them apart from rent) and he wont get an ipa.
Yet on here we see that soa are always or seem to be done jointly and doesn't matter who's bill is in what name.

Any ideas on what we are being told?
Also what benefits are counted as an income? I know carers and child tax yet going of what this man said as there in my name it wont be counted:think:

dojoman

No they are not done jointly, you will have to submit individual ones.

alfiemama

Thanks dojoman,
So I would do a SOA with all the benefits, dla and carers on. And then hubby would do one with all bills on. What would happen if his showed a defacit though? Sorry I'm quite confused maybe baby brain lol

Sunnylooloo

why don't you post yours and your hubbys SOA up here and get some comments??

it might help?

Sunnylooloo

Here you go link for you to use

http://www.makesenseofcards.co.uk/soacalc.html

jedi82

Hiya, both me and OH are going BR tomorrow :eek: and this is what I have done as husband is main wage earner and I only have a v.small PT wage and child benefit. We put his wages on his form and my wage and CB on my form. As for the outgoings, I did exactly the same for each form and so mine would show a massive deficit but it balances out with his BR form

Although we are not going BR jointly (because you can't) I found it impossible to split the outgoings out and to me this is the simplest way and we can then go through this with the OR.

Jedi

(*now having major panic attack that we have done it all wrong!!!!)

alfiemama

Thanks everyone, sunnylooloo where just working through it now.

Rang and spoke to someone else who said it doesn't matter how you allocate the money.
At the moment if we went br would I be classed as being on benfits, as I get child Tax Credits, Child Benefit, dla (sons) and carers (mine for son) nothing else, only will other benefits like housing benfit and council tax benefit come into play if OH has to cut hours?

We are trying to avoid an ipa incase hubby then goes back into fulltime employment (ie job hunt) and then has to give 70% of his new income to OR. Howeve, surely an IPA is avoidable anyway if we are allowed to allocate OGs as we see fit (ie load them onto my hubbys BR)?

alfiemama

Jedi good luck for tomorrow.

Doucam

When we went BR I listed the outgoings the same on our forms and the incomes were the only ones that were different.

As for allocating outgoings however you like to avoid an IPA, it's not quite as simple as that really, if your husband does get a better paid job then you need to inform the OR of that and they will be the ones to decide if an IPA is to be made.

At the end of the day it is only a % of the income not the whole income, and still less than the amounts you would have been paying.

alfiemama

Thanks Doucam
I meant to say after discharge, if he wanted to get a different job and had no ipa.

debtinfo

You need to put down ALL of the household outgoings (ie rent, gas, elec etc) on BOTH forms plus any INDIVIDUAL expenses on your INDIVIDUAL forms only

The forms are not there for you to allocate what goes where for an IPA calculation they are there to provide all of the information needed by the OR to make their decision