urgent IPO advice needed please

IanLH

Good Evening , i am after some sound advice to what is fact and lawful with regards to my situation.

i was declared BR in March 2010 without my knowledge and the first i knew was when i was contacted by the OR in june of that year. i went for my interview and he came up with a rediculous figure of £700 per month surplus disposable income. i disputed this and tried to fight it and the outcome was that in January 2011 i was subject to an IPO of £700 per month taken from my wages. All along i have disputed that this was in excess, i was only earning £2000 per month and my rent alone was £1100.

In September 2012 i lost my job and i informed my trustee who told me to advise when my circumstances change. this i did in January as i secured new employment however my earnings dropped by £800 and i earn in the region of £1200 per month.

now my trustee has demanded monthly payments of £450 per month ie dropping my orgional IPO by £250 even though my income has dropped by £800.

he has also deamed that my rent for the area is too high and the average for my area is £600 so he is in effect forcing me to vacate my current dwelling even though i was in situe before the IPO was instigated. He is also claiming i need to set up a direct debit for this £450 for the next 15 months even tho i had paid 21 month of £700 as he claims my IPO was for 36 months, but all the documentation i have read states its 36 months from the court order and not 36 payments so i believe he is fraudulently demanding money and has stated if i do not comply he will go directly to my employer and quote ' i have the right to seek the full £700 per month'

with my current income i have no or very little surplus disposable income but he is threatening to to take £700 from my pay, i did write to him and he claims he does not consider it a threat but he is stating a fact

please help me with the law and advice

many thanks in anticipation

fermi

If you think the IPO is set an an unfair level, then you should make an application to the court for it to be changed. You have that right.

http://www.legislation.gov.uk/ukpga/1986/45/section/310

debt_doctor

I agree with Fermi as to what you should do. I also think that your original OR also disallowed much of your housing costs as excessive.

Putting up your SOA / financial statement on here will give us a chance to assess it.

DD