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Usually anything over £20 disposable income will incur an IPA.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Yes, that's the rule - but there's a of of flexibility in how they work out what your surplus is.
Post that soa (you'll need the figures for the application anyway) and we'll have a look at it.
Remember that as things stand the fee is £680 upfront and there is no reduction for anyone.
There have been various submissions that the fees should be reduced post-covid (removed completely for DROs) but no movement from the government yet0
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