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Bankruptcy, Low Income and IPA

MariaSierra
Posts: 3 Newbie

Hi,
I applied for bankruptcy in March.
I have 4 children and an income of £18,005 working as a HCA in the NHS.
The OR set up an IPA for £64/month as they've said that because my partner and I live together and his income is greater than mine, he should be responsible for 60% of our mutual expenses, such as rent, utilities, food and such.
We go halves as, let's face it, I have 4 children compared to his 1 which comes to us on the weekends only.
I am still paying 50% as he has his own debts and some of his cc which were used in the past for my kids.
I am struggling to pay the £64. How can I challenge this decision?
Also, after I've been discharged I am looking at doing extra hours, especially since I start my nursing training next year, but I don't want to be paying this money to the IPA as we need it.
Any advice please?
I applied for bankruptcy in March.
I have 4 children and an income of £18,005 working as a HCA in the NHS.
The OR set up an IPA for £64/month as they've said that because my partner and I live together and his income is greater than mine, he should be responsible for 60% of our mutual expenses, such as rent, utilities, food and such.
We go halves as, let's face it, I have 4 children compared to his 1 which comes to us on the weekends only.
I am still paying 50% as he has his own debts and some of his cc which were used in the past for my kids.
I am struggling to pay the £64. How can I challenge this decision?
Also, after I've been discharged I am looking at doing extra hours, especially since I start my nursing training next year, but I don't want to be paying this money to the IPA as we need it.
Any advice please?
0
Comments
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If your circumstances have changed, speak to your Official Receiver, as they’ll be able to re-assess your situation.
It could be that your income has dropped, or your expenditure has risen – requiring a change to be made to your payments.
You just need to speak to them, that`s all.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 -
Thank you.
What if after I've been discharged from bankruptcy I do extra shifts at the hospital and my wages go up?
Will I have to declare this if I have been discharged?
I can't understand that bit.0 -
Yes you will need to tell them and they will have any surplus over the agreed figures.It’s a shame that you didn’t post earlier as we would have advised that your partner does not have to reveal his income if he doesn’t want to and that in that circumstance the OR would have to assume a 50/50 split in expenses.Did you explain to the OR that your partner expects you to pay 50% of the bills?0
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MariaSierra said:Thank you.
What if after I've been discharged from bankruptcy I do extra shifts at the hospital and my wages go up?
Will I have to declare this if I have been discharged?
I can't understand that bit.0 -
Its only permanent changes you need to inform them of, you cannot be chopping and changing what you pay every month due to your wage slips showing differing amounts, if you get a wage increase, and your disposable income rises, you must tell the OR, working an extra shift here and there won`t matter, just use your common sense.
If your unsure, call and ask the OR.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-letter1 -
flipflopflo said:Yes you will need to tell them and they will have any surplus over the agreed figures.It’s a shame that you didn’t post earlier as we would have advised that your partner does not have to reveal his income if he doesn’t want to and that in that circumstance the OR would have to assume a 50/50 split in expenses.Did you explain to the OR that your partner expects you to pay 50% of the bills?
My partner and I did tell the OR we split everything 50/50 but she said since his income is higher than mine, he is expected to pay 60%.
My problem with that is that they've never taken into account his outgoings which mean he can't afford 60% of our bills.
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