A new SOA for myself

fergusor

I had a meeting with the CCCS today and they've recommended BR. They're saying this as I now have a suspended attachment of earnings from one of my creditors and this has now become a priority. With this and my outgoings I now no longer have any surplus cash so set up an IVA.

To be fair my partner is on side and giving me loads of support. It's my pride that's saying I don't want him impacted as I don't want him to have to pay for anything for me. It wasn't his fault I'm in this situation, it happened before he came along. He's been aware of it from the beginning and he's been really good about it all the way.

But my partner does have his own committments and to be honest he has less coming into the house than I do... he earns more but a fair chunk of his money goes on child support and mortgage payments for the house his kids live in. So in the end I put in more than he does.

Ineedaname

If he's been aware of it since the beginning then it has always impacted on him. At least if you go BR there will be an end to the impact on you both.

I have a friend in a similar situation with kids, her ex pays ALL the mortgage, half is his agreed responsibility until the house is sold so they can both benefit from half the equity, the other half is equivalent to what he would pay in child support.

If the house wasn't on the market then he would be looking for my friend to buy him out as he no longer lives there.

However, as said before, you can explain your partner's financial commitments to the OR with regards to the split of income contributing to your own household expenditure. I'm sure they'll be reasonable about it consdering those commitments are to do with kids.

fergusor

Yes I suppose he is already impacted, but he's a bit like me and has buried his head in the sand about it for the past 2 years... in that he hasn't pushed me to get it sorted.

But I'm dealing with it now and I hope the stress and worry will go when the wheels are finally set in motion. I feel emotionally drained at the moment, not sleeping well and just worrying all the time.

Ineedaname

You'll feel much better as time goes on. I stressed pre BR and fell apart completely a week later but am pottering along now. Getting a bit keyed up about my OR interview tomorrow but I know I'll get through it and life will go on afterwards.

Try to think of it as a fresh start, getting rid of all those chasing letters and the worry of robbing peter to pay paul every month, of worrying if it will all get too much for your partner to cope with, of the panic about your future etc. All that will go away over the next year...

fergusor

Good luck tomorrow with your OR meeing, I hope it works out well for you. If you don't mind I would be interested to know what they're like and the sort of questions they throw at you.

I am looking at it is a fresh start, looking forward to not worrying if someone's going to be knocking at the door, checking the mat when I get home every night to see if someone has been around or worrying about the post I get. I do worry about how it will affect my partner but he's being so good about it and putting my mind at ease... he's still here after all and he's known from the start so that has to be a good thing.

Again, good luck tomorrow and let me know how it goes (if you don't mind of course ).

battyboimatt

Ineedaname good look for tomorrow hun, fergusor you will get though this, Im pooping bricks at the moment as I finally have my date for the 9th May, I dont want to do this, but have to there really isnt any other way really, I just have to be a man and admit it and hold my head high, shields up go to yellow alert lol

Ineedaname

Thanks Fergusor, I'll certainly be posting a thread about it once it's over with.

You have a wonderful partner there, hang on to him and know that this is a means to an end. It sounds like he'll still be there for you throughout, so try not to worry too much.

HOLIDAYMAD_2

I read your posts with horror if im honest And please understand im trying to help you.

1. you seem to be cherry picking whether you are or not for the OR a single person or a couple , they will want to know , so IMO your SOA is wrong as its based ON 1 not 2 adults adults.
2. If your joint tenants you cannopt split the liabilty etc
3. you are scared of a attachemnt of earnings so are going for BR, go to court and defend it , and get a payment to suite, im assuming council tax as unsecure creditors dont normally chose this rout. council tax arrears are not always written off . this is very muddy waters in terms of BR.

You seem to be happy that even a 500 IPA per month for 3 years is more prefarble , why , im assuming that you can swallow it with a a undeclared partner , but what happens if your partner loses their job in the next 3 years, the ipa on your sole declaraiton will still stand on your sole income and current income which is currently 20 pound suprlus allowed due to reduce to 10 month.

So get some further advise is my opinion maybe all three rcommedended charities.

The OR HAS MANY powers to check if there is a undeclared partner with earnings.

Ineedaname

HOLIDAYMAD wrote: »

which is currently 20 pound suprlus allowed due to reduce to 10 month.

Where did you hear about that reduction and when is it supposed to change?

mel12

You will at some point have to declare your partner's contribution to the household expenditure and as your partner earns more then their contribution will be expected to be more. You may be able to negotiate with the OR for a smaller contribution due to your partner's own personal financial commitments.

I think you have a case to make to the OR to split the expenses 50/50, but whether they agree or not probably depends on the indivdual OR and we can't predict really in advance. Frustrating I know, but its a bit of a risk unfortunately.