- Wed May 07, 2008 12:27 pm
I'll stick my oar now, if I may
I felt we were being unfairly treated, our disposable income is £20, the OR told us at the beginning of the bankruptcy that he wanted an IPA off us! He told me to go and try and claim some benefits so he could take the IPA from hubby's wage. I tried to claim every benefit under the sun (Housing benefit, JSA, Council tax benefit) but my husband's wage is just over the limits so I cannot have anything. Things seemed to settle down and then about 5 months later, we got a IPQ from through and Early Discharge was mentioned, I filled it in exactly the same as I had at the start of the bankruptcy and then we got an IPA agreement to sign for £52 per month
I really could not see where they got the figures from, hubby rang up, was told on the phone how they had got the figures but did not take it in (men
) OR told him to sign the agreement
I told him to ring up and ask for the breakdown in WRITING. We had to badger the OR office for this as they were not very forthcoming, but eventually we got a computerised printout and they had cut the housekeeping bill and left some other items off, (opticians, household ins, etc) We were not allowed holidays, xmas, contingency)
We wrote to them AGAIN with receipts and proof of bills, etc. FINALLY they accepted there was not enough surplus for the IPA and we both got early discharge.
I think they thought, "oh, he'll just accept the IPA and sign it" and he probably would if I had not questioned it and told him I thought it was unfair.
I agree, in cases where there is plenty of surplus, an IPA should be sought but I do think some ORs are really trying it on. We have had so much stress because of this, first we were told "no IPA, then yes, we want an IPA", then it was quiet for months, then they started up again, with trying for the IPA. Letters have gone missing in the post, so we have not been kept informed of what has been happening, I only looked at hubby's name on Insolvency Register and he had been ED'd, thats the only reason I know there will not be an IPA as we are both discharged
We were prepared to take it to court for IPO if it came to it, as we really could not see how we could live for 3 years on such a low income, but thankfully it did not come to that