Last Minute IPA ?

Brupt

Ha ha, confuzzled7 believe me that thought did cross my mind, i'm only human . Alas I intend to play the game and yes I am praying for an ED. Thanks for replying.

freddy911

You can ring the IS and get general advice without giving your deatails so may be worth a phone call to get an explanation as to how it works.

mandyl

http://webarchive.nationalarchives.gov.uk/+/http://www.insolvency.gov.uk/otherinformation/supportadvice.htm
link for you (hopefully )

fermi

An IPA can only be entered into before you are discharged.

You also have 14 days to decide whether you agree to enter into it.

By which time you will be discharged and the IPA will not be possible.

Brupt

Thanks, may give them a ring, just wondering how helpful they would be as may look like an attempt to circumvent the system.

mandyl

they were helpful when i asked about my bike but then thats a bit different.
not much fermi doesnt know though so sounds like youd be ok

Brupt

Ta for the link mandyl and the post fermi, looks like an IPA may not be inevitable after all. Don't wish to sound like avoiding an IPA is the be all and end all, but it would be nice.

alastairq

There is no 'sin' in wishing, or indeed, trying to avoid an IPA.

I would expect nothing less from a newly switched-on BR.

After all, the IS happily decided to move the goalposts dramatically with regards to IPA criteria....so they must expect as certain amount of rule-pushing from BR's.

I wonder how many IPA's have been challenged [successfully or not] since the rule change?

Since the large minority of BR's will only be paying to meet the administrative costs of the IS.....and as a consequence, creditors will see little if anything in return...the moral issue really does not hold water.

almostfree83

In between me receiving the IPA form, and me returning it, I was signed off work sick and notified the OR of this. They still wanted me to sign the IPA even though I was signed off work before and after my discharge date.

It all depends on how quickly your OR can send you out your IPA form, and how quickly you return the form. It's amazing how quickly they can be in touch with you when there's the possibility of getting money, when at any other time I've found them to be slow.

As others have said, there's no harm in wishing for you to escape an IPA, purposefully taking action to avoid one is a different matter (if you were to "forget" to tell them for example)

Good luck and let us know the outcome x

Brupt

Not an issue until November but will definitely relay the outcome. Just relieved to find like minded individuals and not moral judges.