Ipa question

sundays

IF when you complete a SOA for consideration of a IPA is the assessment unique to you, how do you declare or prove a spouses income.

EG spouse has high income but not BR , BR is on nil income or benefits etc.

Do you need to inform the OR if the spouse's income changes ie goes up or down. Can you receive a IPA on some one elses income.

What would happen if you are seperated then the person comes back to live in the property because they have that legal right but you continue to live seperately to each other. But are still associated to each other because of household costs ie mortage.

sundays

i think ive found the answers to my question, as it was for future purposes . I may get a IPA before discharged so im working out how someone else's income would be considered if they joined my household .

Im assuming the spouse, seperated or not but living in the property or any other person responsible for the household costs ie joint mortage must pay a min of 50 percent of the priority costs but the IPA is unique to the BR and the other persons surplus cost is not considered in the assessment of the IPA.

Im assuming if two people had to share priority costs then it would be divided by 50 percent but the food /travel costs would be for the each individual and not the couple bit if they were not a couple.
is the surplus allowed 20 pound a week or month
if there was 90 pound per month for the BR after everything as per the IPA calulator i found on the sticky would a IPA be sought.

If the spouse/seperated or not had 300 surplus would that be ignored.

Ineedaname

If someone else moves into your property, how you split the bills will depend on whether they are a lodger or sharing the property with you. If a lodger then you would charge them xx pcm to include bills as it's easier than taking rent from them and then trying to get more cash for bills on top. So if a lodger moved in you would put their rent down as income on your SOA.

If someone moves in on a shared basis then yes, 50% of household costs. But if you own your own home I would suggest lodger route is better and easier anyway. If you rent and go 50% shared then you should also have a joint AST drawn up, if you rent and take in a lodger you will need landlord's permission or may breach your existing AST.

Also, if you take in a lodger you need to let your contents insurance know so they can confirm cover of your belongings which are used by the lodger. It's up to you whether you extend cover to include lodger's possessions or let the lodger know it is their responsibility. Just be aware if you extend cover you could end up with increased premiums from a lodger's claim.

Forget about whether it is an ex spouse, if you are not in a relationship then it is just another person for the purposes of the OR.

It is £20 pcm surplus that you get to keep. If the surplus is £21 pcm though you would lose the lot in an IPA.

sundays

It would be in relation to a estranged spouse who i cant prevent from returning, but not living as a couple just responsible for the priority household costs. I would suspect a lodger's rent would actually be a considered income .

silvercar

If the BR is on benefits they won't get an IPA, if they already have one it would be reduced to nil for the time they are on benefits.

If someone joins your household then the OR would make assumptions if they declined to provide income details, after all you can't force someone who isnt bankrupt to reveal their finances. I would expect the or to assume that household bills are split equally if there is no income declaration.

If you are in receipt of benefits you may have to inform the benefit people if your household changes.

sundays

Im considering a coc , pre the end of my BR, as well as having a job offer that could start pre discharge.

im not hiding anything, or intending to.

just getting the facts on IpA payments.

of course if i came of benefits, i would notify the relevant authorities.

i will start a new thread re coc and how this may be viewed by the OR office.

Ineedaname

If it is an estranged spouse returning and property is jointly owned, then I guess 50/50 is more relevant.

Missed the point Silvercar made that the OR cannot force a non BR to prove income details and in such a case I believe they would assume 50/50 split anyway.

I'm curious, if he has already left the property and you are estranged, firstly why he would wish to return and secondly why you are unable to prevent him doing so? Have you taken advice on the matter? It doesn't sound like a good situation for either of you to return to.

sundays

Ineedaname wrote: »

If it is an estranged spouse returning and property is jointly owned, then I guess 50/50 is more relevant.

Missed the point Silvercar made that the OR cannot force a non BR to prove income details and in such a case I believe they would assume 50/50 split anyway.

I'm curious, if he has already left the property and you are estranged, firstly why he would wish to return and secondly why you are unable to prevent him doing so? Have you taken advice on the matter? It doesn't sound like a good situation for either of you to return to.

i understood silvercar comments , however there is no avoidance on any person in dealing with the OR.
And there is no problem in the person returning , ie anything sinister or abusive, just their right and absoutely no harm to me whatsoever, if anything the contrary. Doesnt mean i want that suitaton though. But then what i want or dont might make no sence anyway. Although i do welcome the financial help.

debtinfo

I think the best way, if you dont want to be seen as being "together again" is to simply split everything 50:50 for the household

Ineedaname

sundays wrote: »

however there is no avoidance on any person in dealing with the OR.

I never suggested or indicated there was. I'm just concerned for you having to live with an estranged partner when they already moved out and in my eyes gave up the rights to live there.