Should 18y/o son move out?

NekoZombie

*waves*

Hi all

yes, its true my IPA issue has caused me grief to no end. The first SOA I submitted was woefully inadequate - I submitted the one done by a debt management company to generate as much surplus as possible for an IVA. I should have thought to revise it, but in the stress of the moment didn't. In the process of revising it, I managed to completely peeve of the OR. For example, my household was cut to £181, I wasn't allowed anything towards emergencies or maintenance, or birthdays/christmas; in general everything I submitted was cut down a bit. I still ended up with a deficit of £25, so currently no IPA. However, I am under review, with another one in September. I definitely won't be getting early discharge

My advice - try and get the figures right from the beginning, or be prepared to be penalised. Its completely unfair - I was nearly pulling my hair out when I read about someone being allowed sky, birthdays and emergencies, but that's the current system, and I guess we have to deal with it.

whitehartman

Thankyou everyone for their responses.

I must admit i am tempted to just wait for the OR to contact me and if he does, just say my son has sort of moved out,he only stays the odd weekend.

I know i should tell the OR of any changes but its not for definate.

Or just bide my time for the remaining 4 months for an automatic discharge.

Hmmmm, maybe i should be brave and just tell him my son has now gone!!!!

Still cannot decide,i just hope i do before my head explodes!!!

Posthinking

I agree but I've also read somewhere that because of the current debt situation, the IS are very keen not to be critisised in any shape or form. I'll research it when I get back from work. Off to cross the picket line!!

monotone765

Sorry to come late to this topic and as a new poster hello to you all. I have a little experience on how this works and this is basically how other people's income in the BR's household is used.

When an IPA is calculated all income into the house is assessed for the purposes of how much each person should contribute to the household bills and thus work out the surplus left for an IPA.

eg if the bankrupt earns £1000/month and their partner earns £500/month it is usually calculated that of the joint household bills the bankrupt would be liable for 66% (as out of a total income of £1500/month the bankrupt earms two thirds of this) of them, so if the outgoings are £1400 a month then the bankrupt would be liable for £924 of that thus leaving a surplus of £76 from their £1000 salary and, therefore, usually no IPA.

Now I don't know the exact conversation that went on so can't give a really accurate answer but having done this type of calculation the Examiner in the OR's office would have seen how much your son brought in and decided that was, according to the calculations how much they should contribute to the bills.

This is of course only a guide and I cannot say for certain what has happened in this case just a standard scenario.

[Deleted User]

Either make him pay keep or chuck him out.

VeryTrying_2

Richard_S wrote: »

Margaret, Oh how I wish I had the restraint of Rog2,

You would have done everybody a favour if you'd never opened your mouth (figuratively speaking of course) in the first place. You have little or no concept of what's being discussed here and for pity's sake what relevance has your husband's first paypacket in 1951 got to do with the 21st Century. We used to send kids up chimneys and down coal mines; I sometimes despair of this country and some of it's feeble minded myopic inhabitants.

What a dreadful way to speak to Margaret. In fact, what a dreadful way to speak to anybody. I'm sure she well understands the concept of what's being discussed .... after all she obviously isn't YET completely senile! From her other posts she seems to manage her own life very well - possibly because she ensures that she lives within her means and pays what she owes. No doubt these are old-fashioned concepts these days and perhaps this is the reason that you feel she would be unable to understand the new way of doing things in this 21st Century.

Although the main point is that the OR should not be making judgements outside their powers, it is quite right that an ancillary point be made - that working/earning children should not be subsidised by having their living expenses included in the household expenditure. Is that the concept you think others cannot grasp?

Edit: forgot to add, that some posters seem to think that this thread is theirs to own, so I'll join Margaret in leaving before things get any worse!

whitehartman

#UPDATE#

Hi all,

Well i received an IPA from my OR today.
He said "having not replied to his letter" (which i did) he suggested the following:

INCOME

Pay - 940
(Deemed)Contributions(wife,adult son,benefits) - 260
=1200

EXPENDITURE

Housekeeping(inc personal hygiene) - 560
Energy - 120
Telecoms inc mobiles - 60
Travel - 40
Clothing - 130
School meals - 60
House Insurance - 10
Holidays - 120

TOTAL - =1100

SURPLUS - =100

£50 P/M to be paid for 30 months.

May i emphasise that we look at NECESSARY expenditure:I have disallowed some of your items,varied-some upwards-others.A recalculation would need to be undertaken when/if your circumstances change,whether through sons working or leaving,wifes working,or otherwise.
For the time being ,i suggest you pay £50 per month starting at the end of this month.

Seems ok i suppose,any advice?,does this sound ok to you??

rog2

The thing is, whm, are YOU happy with it. You do have a 14 day 'cooling off' period, during which you may question any aspect of the IPA with which you are not happy.

wherediditallgo

whitehartman wrote: »

SURPLUS - =100

£50 P/M to be paid for 30 months.

Is it 30 months or 36 months? I thought IPAs always had to be for 3 years.

As Rog says, what matters is whether you're happy with the IPA. You have to be able to live with it for the next 3 years, so if you don't think the assessment is fair & appropriate to your circumstances, you have 14 days in which to take that up with the OR. I suggest that you go through your SOA again in light of the OR's assessment, & make a decision after that.

The_Madmouse

Yant1 wrote: »

This forum is paid for by the advertised links, therefore its free to you and me if we occasionally use them to apply for stuff.

A roof over ones head must be paid for and earnt, it isnt free its bloody expensive. So I am not so sure why you believe that people deserve a free ride in life, you live somewhere you pay or you pay somewhere else. I would not expect my parents to put me up for free, and everything ive borrowed i have paid back with interest.

We need to bring back workhouses to shove you work shy scr*tes in line and see what it is to have to earn your keep. You make me sick.

Yant1 have you noticed the LARGE sticky at the start of this forum saying this is for help & advice NOT your nasty unhelpful comments

have a look here......http://en.wikipedia.org/wiki/Troll_%28Internet%29 presuming you can manage to read big words

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