High Tax Credits due to DLA

Get expert opinion. This is the place for new questions to be posted.
14 posts Page 1 of 1
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Mon Jul 18, 2011 3:54 pm
Its me again

Looks like GT have being going through there emails again as i had a mail box this morning full of them

Slight abit worried now. The IVA is in my name but they have taken my partners income into account which is fine but all of my sons benefits are in her name. He gets High rate DLA which then increase the tax credits we get and my partner has just been awarded Carers allowance. Now they have mentioned in one email that if they seem to think we have more money left over they can take up2 50% of it.

Now with the added cost of taken my son to appointments etc etc some of the extra cash im sure will be eaten up that way but what about the extra tax credits etc. Now it can be treated as a income in one light. It can be taken off us at any time in another. Posts else where said DLA gets taken into account but taken out straight way and pretty sure thats how the CA works aswell

Just dont want my 1st Annual review to come back and say the payment goes up by £££ and you owe £££££

Thanks for any help
 
 

Broke of London

User avatar
Posts: 7761
Joined: Sun Sep 05, 2010 6:04 pm
Location: United Kingdom

Post by Broke of London » Mon Jul 18, 2011 5:09 pm
Hi - if your disposable income increases after all costs have been counted then you may need to pay more towards your debts. If the allowances, benefits, tax credits etc change then your situation would be reviewed again. But it sounds like you need a chat with your IP or a senior member of staff...email is sometimes insufficient. x
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Mon Jul 18, 2011 5:28 pm
Yeah it make me worried.

Ive worked out with all the extra bits we get for my little boy its a extra £600 but there is extra petrol and things you need to care for him to come out of that 1st. And i havent taken into account the rise in Petrol and food etc.

Its easy said them done Im with GT and trying to speak to someone is a nitemare

Extra stress thats not needed
 
 

Broke of London

User avatar
Posts: 7761
Joined: Sun Sep 05, 2010 6:04 pm
Location: United Kingdom

Post by Broke of London » Mon Jul 18, 2011 5:38 pm
You need to factor all the additional costs into your expenditure to give GT a true reflection of your disposable income.
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Mon Jul 18, 2011 5:44 pm
Its going to be hard to factor in true costs as it changes from day to day. If i can get time off work to take him to hosptial etc etc

GT office's are closed now which means ill have to wait till tomorrow. I just worry alot as it was my mess with a ex but my current partner and child are kinda suffering

Ive dropped them another email with some more questions so will see.
 
 

kazzafunk

User avatar
Posts: 4749
Joined: Sat Mar 19, 2011 6:47 pm
Location: United Kingdom

Post by kazzafunk » Mon Jul 18, 2011 8:27 pm
Hi rrones - I think you can get the DLA disregarded if you show the increased expenditure but not sure about the carers allowance to be honest as it's a benefit paid because you can't work full time and care (sort of a compensation although doesn't go far!!).
List everything you can think of that you have to pay out for your little boy and then present GT with that list. Hopefully they will see sense.
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

Dee.95

User avatar
Posts: 7
Joined: Mon Jul 18, 2011 7:30 pm
Location: United Kingdom

Post by Dee.95 » Mon Jul 18, 2011 8:52 pm
I had the same situation and the whole DLA amount was allocated to "sons allowance" and wasn't touched at all I just had to explain what the disabilty was and that the DLA was entirely for his care.
34 months down
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Tue Jul 19, 2011 9:17 am
My Partner has had to cut her hours down to couple with caring and all the appointments he has.
Im pretty sure the DLA will be off set as "Sons allowance" as mentioned above. As its used to aid his living. The Carers allowance will be included i think but again some of that will be off set to carer for him

Fingers crossed :) Thanks every1

I have informed GT of everything and them seem to be ok with it all
 
 

Ivoryfalcon

User avatar
Posts: 186
Joined: Fri Nov 19, 2010 1:46 pm
Location:

Post by Ivoryfalcon » Tue Jul 19, 2011 10:04 am
This sounds very much like an assumption made by someone looking at a set of figures rather than someone someone making an informed decision whilst in possession of all the facts.

The only part of your partners income they have any say in is the part used to pay a fair share of household expenses. Any disposable income belonging to your partner is theirs to do with as they wish.

Benefit for your partners son should be included in the overall household income but there should be a corresponding expense for the same amount to account for these expenses.

I would request a telephone meeting with your IP to discuss this matter rather than the review being carried out by a number cruncher!!

Best wishes
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Tue Jul 19, 2011 10:16 am
Thank you IvoryFalcon

I couldnt of put it better my self :)
 
 

MelanieGiles

User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am
Location:

Post by MelanieGiles » Tue Jul 19, 2011 10:06 pm
Unless the proposal specifically provides for this, your partner's increased surplus income should not be driving an increase in your payments. Get your IP to highlight to you exactly what clause of the proposal they are relying on in telling you otherwise.
Regards, Melanie Giles, Insolvency Practitioner
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Wed Jul 20, 2011 10:16 am
Thank you melanie

As far as im aware its not but where would i find this?
 
 

MelanieGiles

User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am
Location:

Post by MelanieGiles » Wed Jul 20, 2011 8:57 pm
Bounce it back to them and get them to tell you why they think your partner's income should be taken. If they cannot do so, and it is not contained within the proposal, she can refuse to pay it.
Regards, Melanie Giles, Insolvency Practitioner
 
 

RRones

User avatar
Posts: 189
Joined: Tue Jul 05, 2011 11:16 am
Location:

Post by RRones » Thu Jul 21, 2011 1:32 pm
Thank you

I will have a look at the original proposal

Edit

Ive had a look and cant see anything in there. Will get my partner to have a look aswell
Last edited by RRones on Thu Jul 21, 2011 1:40 pm, edited 1 time in total.
14 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”