We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
The OR
Comments
-
No they won't take it from your surplus but s/he may say you can't have it in your I&E and have to use you your surplus to pay for it.
But as I said on benefits you won't get an IPA.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
Right, but if its coming out of my surplus would they say I had to get rid of them if it would result in me having enough surplus for an IPA?0
-
You will NOT get an IPA on benefits.
You are allowed a surplus before an IPA is administered for which you are allowed to use in any way you see fit. Looking at your I&E you have not included housekeeping which as a single man you are allowed £191 so you have no problems there at all.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
tigerfeet2006 wrote: »You will NOT get an IPA on benefits.
You are allowed a surplus before an IPA is administered for which you are allowed to use in any way you see fit. Looking at your I&E you have not included housekeeping which as a single man you are allowed £197 so you have no problems there at all.
Yeah I get that now, I was asking with a view to if I find a job0 -
1) Income solely made up of benefits = No IPA
2) An IPA only ever takes a % of a surplus. The minimum is £50 on a £100 surplus. So whatever happened you would be left with the other £50 per month (or more) to use as you see fit.
If you spend that on sky/internet that is your business.
As long as the budget you submit is fair and meets your needs then the OR won't miscalculate the surplus and leave you short.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Yeah I get that now, I was asking with a view to if I find a job
OOOOPS!! sorry!
You are allowed that surplus to use as you see fit so you will be able to pay for them that way.
Also as I said if you are offered a job let us know your income and we can help you sort out your I&E.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
Putting it another way:
An IPA takes 50-70% of any true surplus, so it leaves you with the other 30-50% to do what you wish with.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Wicked. I know there are a lot of things I can spend on to keep their hands off my dosh!0
-
I'm in the process of getting back to work and have had the same thoughts that as soon as I start earning the or will take loads off me, but with some calculations I ( and you ) will be able to pay the or a fair amount and keep a fair amount ourselves.
I've been br nearly 3 months now and haven't heared from the or since the interview, so i'll be keeping quite untill I start work again, let sleeeping dogs lie I say........
Good luck with the future.
IanI had debts, my circumstances changed, I tried but couldn't pay them, I dealt with them in the best way I could.........
BR - 10 -10 - 2007 11.05 am
Discharged 07 - 05 - 20080 -
Ian as I said to Gaz your I&E will change when you go back to work so let us know when you come to submit a new one to the OR.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.6K Work, Benefits & Business
- 602.9K Mortgages, Homes & Bills
- 178K Life & Family
- 260.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards