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Help ipa
pauleenbruce
Posts: 109 Forumite
had my meeting with the O R on monday and today have received a letter saying that an ipa has been prepaired for me to sign and return for 103 per month there is nothing to tell me how they have arrived at this figure as on my soa i only had a surplus of 40,i work part time and really cant afford this amount could they have made a mistake? can i appeal? should they have told me if my soa was not acceptable?. i have to start to start paying end of this month
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Comments
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At this stage you are not obliged to sign or agree to the IPA if you think it is unreasonable.
Ask that they provide a breakdown of how it has been calculated.
An IPA of £103 suggests that they have calculated your surplus as £206 per month. If that is ludicrous, then you need to challenge it and not sign.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
The OR should be able to send you their calculation - my OR showed me mine at our interview. So yes, challenge it, and ask for their calculations. They may have got some of your SOA amounts wrong.0
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are you sure it is not the NTcodeHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
what is an NTcode0
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We all die. The goal isn't to live forever, the goal is to create something that will0
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cant be that coz when i had my interview the or said they wouldnt be bothering with nil tax as i only pay 18 pounds per month0
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well..do as others suggest & ask the examiner for a breakdown in how they come to their figures.We all die. The goal isn't to live forever, the goal is to create something that will0
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will do thanks0
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Mistakes can happen sh how on earth they come to the conlusion they have is beyond me!We all die. The goal isn't to live forever, the goal is to create something that will0
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if they have sent me this there must be one on the way for my husband as well and if thats for the same amount god knows how we will pay. It has got to be a mistake.0
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