IPA Avoidance

Gray-Fox

Freddy, ignore ppl who want you to lie down and accept an IPA.

They're just angry because they are still paying them.

the_suns_is_out

Congratulations on the promotion! :T

It is frightening when you think how much you will be putting in, but, for me anyway, when I compare that to the total debts and the worries pre BR, it is well worth the money.

Good luck with your arguement for the % of the IPA, I would be interested in your results. I accepted mine as it was at 100%, I was just glad to have more per month of my own money than I have for years!

philnicandamy

Gray-Fox wrote: »

Freddy, ignore ppl who want you to lie down and accept an IPA.

They're just angry because they are still paying them.

Wont even warrant an answer...

love to know your thinking though i've posted on this thread a few times I dont have an IPA wish I had..

hisandhers1978

philnicandamy wrote: »

Wont even warrant an answer...

love to know your thinking though i've posted on this thread a few times I dont have an IPA wish I had..

Why would you wish you had an IPA?

hisandhers1978

philnicandamy wrote: »

Wont even warrant an answer...

love to know your thinking though i've posted on this thread a few times I dont have an IPA wish I had..

Why would you wish you had an IPA?

dojoman

I have an IPA and I am not angry in the slightest, why would I be? Seems quite a strange remark to be honest.

kepar

There seems to be at least two schools of thought on IPA'S.
Admittedly the 100% of all spare has changed things.
But on the one side are people who have misfortune and find going bankrupt upsetting and would like to have paid their debt off and paying an IPA is one way of removing the guilt they are suffering.
On another side are those who see bankruptcy as a means to an end, like a tool. It clears them of all debt and these are the ones who are adamant about paying an IPA. In their minds the job is over , case closed move on. Until I need to go this way again.
Others are in the first group but resist having to pay an IPA.

Now new posters on here who are under the new rules, only have to look at this site from a year ago will see posters trying to get their SOA's under £100 spare as that was the rules at the time.

Times have changed, not that long ago we would have been undischarged for 6 years. Before that in poor houses. Where will it be 10 years time.
The IS service has to get it's money from somewhere, if br's stop being able to pay an IPA's what will they change next.

In my mind people who give up jobs(not overtime as that what would have been used for debts) or give up promotions etc have no remorse and are not doing anyone else a favour long term.

My wife who has an IPA could have reduced her second job, to avoid paying an IPA, but she felt that as she felt so guilty about going br that she was paying something back.

Like I said other's on here see it as a tool.


Th

dojoman

Great post Kep:T but I think you have missed a "not" out of one of your sentences it is on line 7:)

alastairq

or give up promotions etc have no remorse and are not doing anyone else a favour long term.

There is a presumption that being 'career-minded' and aiming to seek 'promotion' is the general way forwards in life?

I find this to be arguable in the extreme.

Career and promotion go hand-in-glove with other attitudes like 'must buy own house'....'must boost credit rating' and other, somewhat unsound attitudes we seem to be expected to adopt, by 'society'.

Whatever happened to 'working-to-live'?

We are literally steered down the path of 'expectation' from first entering the education system.

In my own case, I have been 'fitted-for-promotion' for many years now....

Every year, when asked for my 'job aspirations', I reply 'absolutely none, other than to turn up at the appointed time, go home at the appointed time [or earlier if I can wangle it']....and collect my salary at each month end.'

I find many 'managers' cannot comprehend that someone actually see's through the myth of what 'promotion' actually amounts to.

In my case, a modest pay increase of several grand a year, a vast increase in stress, with concerns about 'gathering evidence to demonstrate performance', etc...along with the expectation of conformance.

Quite frankly, not worth the candle!.

Didn't make me intent on 'fiddling the system' within BR.

As for remorse?

Quite why should anyone feel remorse over taking a legal action to deal with a situation?

With equitable results for all concerned?

I'm afraid this thread has developed tendencies of 'double standards'...

On the one hand, we have an OP who....simply by speaking plainly, seeks advice as to how to mitigate financial pain....and what the 'cost' is...

and on the other, we have folk decrying the very thought, yet....in the same breath, advising others on how to....effectively...make the best of the restrictions on an SOA!

[how many times over the years, has an SOA been posted, and sage responses noted that an item 'seems low'?]

I think there is an underlying trend developing on this forum, of promoting a 'guilt-trip'.....with regards to BR.


This is something that at one time would be almost actively discouraged.....and rightly so.


The goalposts have been moved....by a politically-motivated situation.

We should be actively advising on how to make the best of this situation.

Not moralising.

deepintrouble

Well said alastairq