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

WLITC

fermi wrote: »

Standard IPOQ that everyone gets sent.

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

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So can I clarify, is everyone meant to get a IPOQ form sent to them a few months before discharge. I was under the impression (and reading various threads over the months) that IPOQ's are typically only sent to people who have probably advised the OR of a change of circumstances or as part of the ED process. I've seen lots of comments about people going to court/having the OR interview and never hearing from the OR again and then getting AD.

I don't know all nohopes story (I have briefly scanned her post/diary) but could it be that processing her case/BR has taken this long (I see she has to sell her property or something?). Rather selfishly its now got me stressing again about getting an IPA. I finally stopped stressing again (after seeing the rules changes at the end of Nov) and now I'm seeing someone is getting reassessed possibly weeks before they are AD? Is the IS on a money grabbing expedition trying to catch soon to be discharged BR's under the new rules/surplus?

ani_26

fermi wrote: »

Standard IPOQ that everyone gets sent.

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

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

No, they have'nt changed them.

I'm going to call in to the office, to sort this out, so i will let everyone know the outcome, as soon as, and hopefully the information may help anyone else, in my situation.

Take a deep breath, and go into the office that fills me with trepidation, every time i go. And everytime i go, i think, please god, let this be the last time.

Nohope

ani_26

welshladinthecity wrote: »

So can I clarify, is everyone meant to get a IPOQ form sent to them a few months before discharge. I was under the impression (and reading various threads over the months) that IPOQ's are typically only sent to people who have probably advised the OR of a change of circumstances or as part of the ED process. I've seen lots of comments about people going to court/having the OR interview and never hearing from the OR again and then getting AD.

I don't know all nohopes story (I have briefly scanned her post/diary) but could it be that processing her case/BR has taken this long (I see she has to sell her property or something?). Rather selfishly its now got me stressing again about getting an IPA. I finally stopped stressing again (after seeing the rules changes at the end of Nov) and now I'm seeing someone is getting reassessed possibly weeks before they are AD? Is the IS on a money grabbing expedition trying to catch soon to be discharged BR's under the new rules/surplus?

I'm sorry its stressing you out too. Yes i am undoutably being reassessed weeks before my AD. The only good news is, they can't have what i don't have, or can they?

I will let you know the outcome of all this, as soon as, because there seems to be only one way to find out.

BB&B

OK just to clarify for everyone:

When you first enter into bankruptcy you complete your statement of affairs, and from this the initial calculation are done to see if you are are going to get an IPA (I am ignoring any potential NT Tax IPA for now)

Out comes

Yes you get an IPA/O
No you dont get an IPA/O

Now after a few months the examiner is meant to ask you to complete another form called an IPOQ to see if your circumstances have changed. So if you have an IPA it could be varied or if you dont have an IPA you may start one.

HOWEVER

In some offices this doesn't always happen, especially if the bankrupt:

• Is retired
• Is long term sick (so wont be working)
• Is 'assessed' as having little chance of having a large enough IPA in place (such as low earning potential clients)
• Etc.

So yes everyone is MEANT to get an IPOQ, but as with most things this doesn't always happen (Off record this doesn't happen in about 30% of cases so I have been informed!).

In the OPs case I very strongly suspect as it is so late and the OP is self employed (So DEFINITELY should have had one at the very minimum) that it is an office going whoops we dropped something, and that is all.

If they were looking at an IPO they would have offered an IPA to start with, you would then have a cooling off period (14 days) toi say yes or no, and then if you say no the IS can move to going for an IPO. So that doesn't apply here!!

Tim

ani_26

Thanks for your replies guys xx

So basically, they can send a form out for an Income Payments Order, whenever they like,or should i say, at any time, omitting to tell you not to panic, because its not really an Income Payments Order.

Hmmmmm..............................................

BB&B

Nohope wrote: »

at any time, omitting to tell you not to panic, because its not really an Income Payments Order.

Hmmmmm..............................................

Yep

Its called the Civil Service!!! :p:p:p

ani_26

BB&B wrote: »

Yep

Its called the Civil Service!!! :p:p:p

Too right.

I bet you'll be waiting for me !!!!!!...........................

debtinfo

Hi no hope, did you have a change in circumstances and did you tell them, If so then this is why you would be getting an IPOQ. Also if you are self employed then they will usually sent 1 or more during the course of the bankruptcy to check up if you are yet making a profit and have surplus income. If you have no surplus the that will be the end of the matter, its just a matter of doing a periodic check

alastairq

because its not really an Income Payments Order.

as it happens, Nohope, you really are worrying over nothing.

honest.

during the time I've spent on this forum, I've noted how virtually everybody who became BR, had their financial life unfold like a timetable...and the IPOQ was part of it [usually as a precursor to the OR seeking an ED..or thinking about it.]

In my own case..once things had been forwarded to the RTLU, an IPOQ came and went..[basically repeating my Pre-BR SOA, with some additional expenses].......and such was the chaos up on Wearside, it got lost in someone's in-tray..resulting in embarrassment on the part of my 'handler'... and a copy emailed to him.

This may well be the case in your instance...that the OR's office [don't forget, all agency staff have disappeared]...is snowed under.....and they are simply playing catch-up to 'tick the boxes'....

There really is no confusion over the title of the form, IPOQ....


any BR would know soon enough if the OR was seeking an IPO from the Court..... firstly, there would be a file 13-full of letters arguing over the imposition/value of an IPA.

Then there'd be a letter from the Court notifying the BR of the application...so that the Court can see evidence of the BR's argument....maybe even seek personal representation?

Then there's be written confirmation of the Court's decision.....


''Orders'' don't come out of thin air....honest....unless one side has buried head in sand?

ani_26

Phew

No,definitely don't have my head buried in the sand, this time. This is the first i've heard of this one, unless many letters have been lost in the post.

Thanks guys, i might actually get some sleep tonight, though its been a Bad afternoon. I will let you know the outcome in due course.

Nohope xx