Nearing the end of an IPA

Teen_the_Drama_Queen

Hi all, long time no speak, sorry, I only seem to come back here now when I need to know something, sometimes BR seems just a bad dream in the past

My OH and I were both discharged BR in April 2011 and we both had an IPA, which began in July 2011 and were due to run, naturally, until June this year. A while ago, I had to cut my hours right down due to health issues and changed job became self-employed) and my IPA was then put down to nil. (Nearing the end of the IPA, I have just been sent an IPOQ, I suppose Moonbeaver are going to let the OR know my income (minimal) and outgoings (still horrendous).

However, my OH still has to pay nearly £600 per month and we are struggling to cover our outgoings. Our son has left home to move in with his partner and so we no longer get rent (which obv. was accounted for as income for us). What with my earnings being minimal (I don't pay tax, but have just had to pay out NI of £70) and our private rent, the IPA of nearly £600, utility expenses etc etc (our shopping costs are minimal nowadays, usually £60 - 70 a week in Aldi for myself, OH and teenage daughter).

Is it worth rocking the boat and trying to arrange a reduction in my OH's IPA, I know it's only another 4 months to go, but my daughter turns 17 this month and we really need her to start driving lessons, I am still due to pay her £97 fee for starting sixth form college (the school would not offer a reduction on this fee as we are not on benefits of any kind) and school trips are still a costly expense (even though we allowed for them on our original SOAs).

Many thanks, as always

TTDQ
xxxxxx

debt_doctor

Hi,


complying with the law is not rocking the boat!


If you feel that a revampt SOA reveals less available than the IPA takes then you would be a fool to yourself if you didn't.
I appreciate that it sort of 'wakes up the old BR, dragging up bad times - but if you need it - it is your money.


DD

longtermplanner

Teen_the_Drama_Queen wrote: »

my daughter turns 17 this month and we really need her to start driving lessons

So she can wait until she is 17 and a half.

school trips are still a costly expense

start saying No to them.

You are within sight of the finishing line. Just get there then you can start again.

Teen_the_Drama_Queen

I see what you mean about the driving, although the trouble with the school trips are they are sort of integral to her studies.... if she doesn't go on them she misses out on a lot and she is working towards her A levels. She def won't be going on the skiing one for £800 odd