Can I be discharged from an IPA sooner?

So I have a rather unusual case, and I want to appeal my IPA in place, as I don't feel I earn enough to be on the payment plan and won't be for the foreseeable future. 

In January, I was released from Bankruptcy, but before this, I was put into an IPA.  Subsequently, I reduced my hours in April, received a reduced salary, and will continue to do so for the foreseeable future.

As I have explained to the OR previously, I need to save for a deposit to move out of the property I currently reside in, as the house is being sold this year. I believe I was put into an IPA on incorrect grounds when I should have exited bankruptcy in January, with no IPA in place, given the amount I need to save for a deposit. 

My current landlord has sold their house and will be exchanging in June, and I have no way to save for a deposit on a new property. Due to personal circumstances, the money the OR has agreed I could save for a deposit needed to be used for a car repair. I informed my insolvency caseworker (in line with the policies I had to adhere to) and updated the OR of my circumstances changes. However, I was told I could no longer save for my deposit in this way, as the funds hadn't been used for their intended and agreed purpose of rental deposit (even though I informed the OR of my circumstances) as the money was instead used to pay for my car repairs.

Unfortunately I don't have a guarantor or 6 months rent. Renting a house without a guarantor and six months' rent is impossible. 

A number of people I have seen avoid an IPA went unemployed for 12 months. Unfortunately I was not given this advice. Otherwise I would have remained unemployed. 

I wondered if it is possible to appeal to the IPA? That way I can leave the IPA and earn more to pay towards my deposit. 



Sign In or Register to comment.
Latest MSE News and Guides

British Gas prepay meter users... pay less for gas from 1 April

MSE News

The 'odd Easter flavours' thread 2023

What bizarre food stuffs have you spied?

MSE Forum

Energy Price Guarantee calculator

How much you'll likely pay from April

MSE Tools