Hi - I wonder if you could just clear something up for me? We have been awarded DLA for my son, and have also received the disability premium from tax credits, plus another severe disability premium from them. This amounts to quite a lot of money each month.
I understand that we will need to do an new I&E, but do we offset all the extra money we receive from both tax credits and DLA, or just some of the extra tax credit? I have searched on the forum and found that they will probably offset all the DLA, but will the creditors want some of the extra tax credit?
Hi, I've no idea on this one. Will the extra credits be needed for any special items for your son?
Have a word with your ip.as they will have to sort this out for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
This is a question i keep asking as we get extra Tax credits because we are getting High Rate DLA
I think they take the whole amount into play which i dont think is fair as we wouldn't be getting that extra amount if we wasn't claiming DLA. Im going to keep a eye on this and see what other people say
Who is your IVA company ?? i have asked mine and got a reply saying any extra income over £100 they would take 50% which i think is normal
If you can justify the additional expenses you should be able to reach an agreement with your IP. Ultimately, IP firms are not there to punish people or extract every single penny but they do have a responsibility to creditors. It will come down compromise.
Thanks RRones and Michael. My sons main difficulty is language (classed as a 'bodily function' by the DLA). He has poor working memory (i.e give him 3 numbers to remember and by the time you have finished the 3rd he has forgotten the other 2). He has dyslexia and dyspraxia and a learning difficulty. He can be hyperactive and can destroy things in his exuberance.
The thing is, to bring his language skills on we need to do things as a family, so that this encourages him to ask when he doesn't understand words, phrases etc. So this usually means, going out for the day etc. This obviously can be done spending no money at all if, say we went out for walks etc.
But what works best is enforced time - i.e. when out for a meal, when waiting we talk about surroundings, events etc. Going camping is good as he has no access to anything 'electronic' and has to make friends and communicate. We also will have the money now to take him to gymnastics to improve his core stability.
So basically, all the 'nice' things all us 'IVAers' have given up doing is exactly what my son needs. It just seems like we will be keeping money back from our creditors for what will appear to be luxuries (other than replacements for things he has broken). We are with CCSVA and I have to say our case worker has been lovely about this, but it was just a query as to what they will be expecting us to keep/pay in to the IVA basically.
Hope I have made sense and sorry for the long post.
There really isnt a standard answer for this and will come down to individual cases. Feel free to argue the toss with your case worker over what you think you should be entitled to,and if you dont ask you dont get so push hard and see what they say.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
