Urgent news on IPA's - Changes for BRs after 01/12/2010

ani_26

I'm sorry, its just yet another kick in the teeth, ( or so it feels like ).

Firstly theres been no mention of an IPA.

The letter says :-

I refer to the bankruptcy order made against you on ******* and enclose an income and expenditure questionnaire which i require you to complete and return within 7 days ( two of which have already passed ). (IPOQ ).


One of the purposes of the bankruptcy provisions of the Insolvecy Act 1986 is that those who are able to contribute money ( joke )? towards the payment of their bankruptcy debts should do so. Your response will let me know whether your circumstances have changed and enable me to make an updated assessment of your ability to contribute towards the payment of your bankruptcy debts. Should a payment be deemed appropriate, i will contact you again with further details.

I appreciate your co - operation in this matter and look forward to your early ????? ( is this a joke ), hello, you've all gone on xmas hols, reply.


Sorry, i'm not the worlds fastest typist.

Thanks Nohope

WLITC

Nohope this could just be a IPOQ for ED (Early discharge), when did you go BR?? if its about 5-6 months ago then it could indeed just be the forms for early discharge.

ani_26

No, its definitely not ED, i'm approaching AD now, you can start counting down in weeks, as opposed to months.

BB&B

OK Gonna stick my neck a little on the line here and make one BIG assumption.

So far you have not had to fill in a IPOQ other than when you first went bankrupt.

If that is the case, sit back and breath a bit because there is a requirement for all examiners to get an IPOQ completed for each bankrupt as a check, before you are discharged.

Normally this is done after a few months and not this late, so with it being this late they ORs office is playing catch up (or they have just dropped a big one!)

From what you have said in your posts you are going to be able to fill this in and it WONT show a surplus over £20 so you should be OK. Think about it if your income equals your expenditure how can you have an IPA given to you!!!!

I know it is a shock to get something like this, but as I said it looks very much (well 99.999999%) like someone in the ORs office has just gone Whoops!!

Tim

WLITC

BB&B wrote: »

If that is the case, sit back and breath a bit because there is a requirement for all examiners to get an IPOQ completed for each bankrupt as a check, before you are discharged.

Normally this is done after a few months and not this late, so with it being this late they ORs office is playing catch up (or they have just dropped a big one!)

I was under the impression that IPOQ were only sent out as part of the ED process or a change in circumstances, I've not see talk of these being sent other to everyone before discharge?

Nohope, as BB&B has said, if you don't have a surplus (cetainly sounds that you don't) then I'd say there is pretty much no chance of them applying a IPA to your BR so just return them and don't worry. Can I ask which IS office you went BR with?

ani_26

To be honest, i filled that many forms in, i don't even remember if i filled one in, in the first place. I could'nt definitely say, what any form was. How bad is that? I'm just worried as i've been reading this thread and its for an order, rather than the agreement. Maybe the best solution is just to call in to the office, on the off chance anyone is there? so i can explain my situation again. After all. They did'nt even send a return envelope.

Its amazing the heartache someones ' whoops ' in the office, could cause. I just hope you are right

fermi

Nohope wrote: »

I'm just worried as i've been reading this thread and its for an order, rather than the agreement.

Ah! Now I see why you are worried.

The same form is used no matter what they are doing, and for whatever reason they are asking for an updated I&E.

The fact that the form says IPOQ on it doesn't mean they are going for an "order".

fermi

Standard IPOQ that everyone gets sent.

Normally like this, if they haven't changed them.

----> Page 1
----> Page 2

ani_26

JCS1 wrote: »

That's the big issue. People have taken advice and completed the SOA under the current rules, but when it gets to interview will be hit with the new rules (I also wonder if the expenditure guidelines will be looked at more closely).

Then somewhere a long way down the line, be hit with it again?

ani_26

fermi wrote: »

Ah! Now I see why you are worried.

The same form is used no matter what they are doing, and for whatever reason they are asking for an updated I&E.

The fact that the form says IPOQ on it doesn't mean they are going for an "order".

Right, thanks. Now i would never have guessed, since it says order, on it. I just could'nt understand it, when it was, i thought, agreed there as no surplus for an IPA, although , to be truthful , i'm still waiting for anything to hit me, before discharge.


Thanks Nohope