ipa help

[IdaInFife]

so you went through an IP rather than the AIB?

 

then still goes through the AIB who then can nominate to keep your IP as your trustee rather than an AIB appointed trustee.

 

The trustee i had from the AIB was great and went through everything and inlcuded extras like vet bills etc that i hadn't even thought of.

 

I think you are going the right way,

 

 

Ask for a complete breakdown via letter.

 

You can call national debtline 0808 808 4000 or the AIB themselves when you get a response and they may be able to help calrfiy how much they would but basically any surplus amount of monies after your household expenses are deducted can be taken

 

But if you cannot agree with your trustee then the sheriff can be asked to make a decision,

 

Ida x

[IdaInFife]

I know the trustee i had inlcuded £20 per month for emergencies/car mot etc

 

do you have things like this in your income and expenditure?

[IdaInFife]

theres something wrong or they are not allowing the full amounts for certain things

 

if your surplus is £98 then you should only be paying 50 - 70 % of the £98.

 

I would suggest that tomorrow if you have 1/2 hour contact national debtline and ask them to go through your income and expendiutre to see if they find the amounts reasonable that you have.

 

if they do i would write to the IP again with your correct income and expenditure and ask for a written explaination on how the come to their figures and that you want them to reassess your income and expenditure and you want a written response. I would send it recorded/special.

[IdaInFife]

no probs, keep us updated

 

Ida x

[IdaInFife]

no probs, national debtline is normally very good and very helpful.

 

can you keep us updated as it may help someone else

 

ida x

[IdaInFife]

let the sherriff decide then.

 

ask the aib for their response on what your income and exp is like to take with you as well,

 

ida x

[IdaInFife]

can i just check - your i and e includes all income in house inlcuding your wifes?

[IdaInFife]

ok good just checking

 

 

I would be forcing their hand to let a sheriif decide and keep copies of the NDS i and e on the headed papaer etc

 

any response from the AIB yet?

[IdaInFife]

cancel the dd,

 

i would send him a recorded letter that until it is agreed in writing about the amount you are to pay that no direct debit is to be set up. advise him as he is asking for more than available then you want the court to decide and advised him that you have already taken advice from national debtline and the AIB. i would start as well asking for any contact from in writing only so you have paper trail.

 

ida x

[IdaInFife]

good that you have got the AIB involved tho

[IdaInFife]

i am not sure as i was thru AIB appointed, maybe asking AIB that question