Benefits and an IPA.

wharty

Hi i am due to be Discharged in June and i was wondering about benefits. I don't claim any benefits other than child benefit at the moment.

As a couple my wife and I have less than £20 per month left over (she is bankrupt too) and i was wondering what would happen regarding an IPA if i started claiming benefits like JSA? I know benefits can't be taken from me but would my wife be seen as having more disposable income if i claimed JSA as i would be contributing more to the household? Would she in turn be put on an IPA?

Thanks.

alastairq

How long until your wife is AD?

Much will depend on how much surplus you think your wife might have?

Plus, even if you identified a surplus, re-jigging your wife's SOA might prove otherwise.

Then even if the OR proposes an IPA, this can be argued against....?

wharty

alastairq wrote: »

How long until your wife is AD?

Much will depend on how much surplus you think your wife might have?

Plus, even if you identified a surplus, re-jigging your wife's SOA might prove otherwise.

Then even if the OR proposes an IPA, this can be argued against....?

We are both due for AD in June. I think JSA would be around £60-£80 per week so she would in theory have 50% of that added to her surplus?

TheGardener

If you don't have an IPA now, then one would have to be arranged before you are discharged. If you claim after AD then an IPA can not be arranged.

woodformoretrees

Was just wondering if you were in a position to hold off for a few weeks until you both have AD?

National_Debtline

Hello there,

If your income is made up solely of state benefits you should not be expected to pay into an income payment agreement. It can be requested if income is made up of both benefits and employment income.

Really hope this helps,

Best wishes,

David @natdebtline

wharty

National_Debtline wrote: »

Hello there,

If your income is made up solely of state benefits you should not be expected to pay into an income payment agreement. It can be requested if income is made up of both benefits and employment income.

Really hope this helps,

Best wishes,

David @natdebtline

Thanks but my thinking was that my benefits would contribute to the household income thus meaning my wife has in theory more money left over from employment. Would she end up with an IPA because of this?

wharty

woodformoretrees wrote: »

Was just wondering if you were in a position to hold off for a few weeks until you both have AD?

Yes we can do that. Only 7 weeks from discharge now i think.

National_Debtline

wharty wrote: »

Thanks but my thinking was that my benefits would contribute to the household income thus meaning my wife has in theory more money left over from employment. Would she end up with an IPA because of this?

Hello there,

If your wife is working, there is the potential that she could be asked to pay into an IPA should her share of the disposable income rise to more than £20.

Given the circumstances, I absolutely agree with woodformoretrees, you could be better off holding off for a few more weeks.

David.

wharty

National_Debtline wrote: »

Hello there,

If your wife is working, there is the potential that she could be asked to pay into an IPA should her share of the disposable income rise to more than £20.

Give nthe circumstances, I absolutely agree with woodformoretrees, you could be better off holding off for a few more weeks.

David.

Ok thanks i will hold off then.