How to Challenge an Income Payment Agreement

mysterio_2

Lou67 wrote: »

The OP has nothing to lose by challenging it. If the opportunity is there, why shouldn't he challenge it? Some people have challenged an IPA and won. As Debt Doctor said, the I.S. *have* backed down in the past few cases they have dealt with. If the opportunity is there to challenge it, one would be a fool not to.

Ah..I see you reported my last post then as it's been removed....i'll say AGAIN nothing I said suggested not to challenge...I said the OR will only bend so much it may end up in court

thats it...although I find it very annoying your posts are left here with attitude & god help someone challenging you they're posts are removed at the speed of light

FraudBuster

mysterio wrote: »

Ah..I see you reported my last post then as it's been removed....i'll say AGAIN nothing I said suggested not to challenge...I said the OR will only bend so much it may end up in court

thats it...although I find it very annoying your posts are left here with attitude & god help someone challenging you they're posts are removed at the speed of light

And my pot, kettle, black post has been deleted!

Flapjackman

Still not made the call or returned the IPA.

I have been trying to take advice from CAB, problem is appointments and the time constraints and the fact that my employer is beginning to wonder why I am so distracted!

I have done all the research I think is possible and am grateful for the constructive contributions.

My last question is....can I challenge this on my own, or do I need some form of professional assistance/backup to make the OR take me seriously?

Now please do not take the opportunity to argue opinion. Facts and interpretation of those facts would help.....or preferably, experience.

debtinfo

Hi flapjack, i can tell you from my own personal experience of thousands of cases that what the OR wants is a quick answer, be that to sign the agreement or not. Challange isnt really the right word as your not disagreeing with any of the basic decisions that have been made ie its not as if the OR is saying you cant have a certain expense, its simply that your information has changed since the last time the OR gathered that information so the IPA set is incorrect.

So you will find that you get on with your OR much better if you approach it not as a challange but more of a presenting the latest information to them. The OR takes a very practical stance on these matters, it is not about getting the IPA, it is merely a fact that the current circumstances justify an IPA or not

As i say the one thing the OR gets unhappy about is if you delay the declaration of information, im guessing that it has already been 21 days since some of your circumstances changed so i would contact them immediately to tell them.

FraudBuster

Flapjackman wrote: »

Still not made the call or returned the IPA.

I have been trying to take advice from CAB, problem is appointments and the time constraints and the fact that my employer is beginning to wonder why I am so distracted!

I have done all the research I think is possible and am grateful for the constructive contributions.

My last question is....can I challenge this on my own, or do I need some form of professional assistance/backup to make the OR take me seriously?

Now please do not take the opportunity to argue opinion. Facts and interpretation of those facts would help.....or preferably, experience.

A guide to IPA's and IPO's can be found here:


http://www.bis.gov.uk/insolvency/Publications

Flapjackman

Thank you Debtinfo.

Yes it is more than 21 days. You just try and get on with your life. Almost feels like a lifetime ago that the OR asked me what was happening!

So just call and ask for an I&E review?

P.S I appreciate your contribution elsewhere....

debtinfo

i would give them the facts of the changes over the phone if you can, as they may feel that they are enough not to bother and just to cancel it, of course they may not,depends on how big the changes are, but give it a go, worst that should happen is they will send another form to be filled in

coolcait

I completely agree with the advice that you should just contact the OR right now with facts.

You say that your circumstances have changed since you last filled in a form. So tell the OR that. Let them know what has changed.

It may be that the changes mean that you're no longer liable for an IPA. You need to find that out first.

jayk

Hi Flapjackman

Just give OR a ring or e-mail then at least OR will know and decisions can be made one way or another, may be all okay and sure you will feel better knowing whats what. I would not delay anymore. Best of luck for the future.

Lou67

Flapjackman wrote: »

Thank you Debtinfo.

Yes it is more than 21 days. You just try and get on with your life. Almost feels like a lifetime ago that the OR asked me what was happening!

So just call and ask for an I&E review?

P.S I appreciate your contribution elsewhere....

I think you 100% MUST contact the OR flapjackman. They will appreciate you being honest and forthright. At least if you contact them, it will be over and done with, and as someone said above ^^^ it may be that the overall difference in your income may not make any difference. Good luck to you and I hope it goes well