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Hi, Melanie i've sent October and Novembers payslips to the OR and he left a message for me and has calculated and IPA of £50 per month. Fine, except I do not even have a surplus of £50!!!! My I&E back in August, as calculated and agreed by the OR came to £1641. Since then my mortgage has increased by £53, which I told the OR about but my wages have remained the same at £1747. So by my calculations I have a surplus of about £53 and the OR is demanding £50 of it!!!! In fact I do not even have £53 because my petrol costs have risen by about £15 per month, my parking charges have increased and my secured loan has gone up buy about £10! So my actual surplus is about £20!!! But the OR is very welcome to have half of this! Any suggestions as to what I should do?

Speak to the examiner who is dealing with your case and ask them to tell you where they think the £50 comes from. If you get no joy with that, come into the office and we will speak to them for you.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

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