Is anyone else with PayPlan and have a child who has started University?
The admin staff (not the supervisor) are kind of implying that I cant claim anything for our daughter, not contribute anything and in fact our expenses should be reduced (and therefore our IVA payment increase) to remove her from the picture as they say that she is not a dependant anymore.
Anyone else had a similar issue, and anyone managed to convince PayPlan that starving and living on the street isnt necessarily a good way to succeed at university ???
I don't deal with PayPlan, but from my experience working with another company, creditors seem to have quite mixed views on whether a parent in an IVA should be financially supporting a child in University. I have spoken to many creditors who will not accept expenditure of this kind, and will always vote against any variation to include it.
I've tried arguing your case and some will budge if there is a good enough reason, but for other creditors it's just their policy.
PayPlan may agree to put it forward as part of a variation if you insist, but I would take advice from your IP as to whether or not this is likely to be accepted first as your IP may require a fee to produce this report.
I had a child who was at Uni when we started the IVA.
It is all down to the protocol at the moment. I think Mel posted what the maximum is that you can claim yesterday stevie.
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
kallis3 wrote:
I had a child who was at Uni when we started the IVA.
It is all down to the protocol at the moment. I think Mel posted what the maximum is that you can claim yesterday stevie.
For a new protocol IVA Jan is correct, but as you are in an existing IVA your creditors will have the opportunity to scrutinise any additional expenditure you add. If this affects the amount that you repay into the IVA, then unfortunately they have every right to reject it.
im with payplan and have a son just starting his 2nd year.
all he gets is his basic maintance grant which he uses for all his expenses ie equipment books travel.
he still lives at home and i told payplan the situation and they still let me keep his share of the houskeepig budget.
he does not have a part time job as he spends most of the week at uni and is doing work at home at weekends.
they was fine with me as i was not asking to reduce my payments to accomodate him.
just helping him to go to uni and not incur any more debt for accomodation etc
cc received 6th January 2014 now upwards and onwards
Pretty much the same here although daughter did have a part time job to help fund herself and for some pocket money.
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
ok. I think that Payplan are worried that I want to reduce my payments, but I actually want to maintain my payments, and support my daughter if she needs to, and not just suddenyl increase our payments by £200 just because she isnt at home for 32 weeks a year.
I think that I have already answered this one on another thread. Ask them why they feel that this expenditure is not allowable, and whether they would be prepared to fight you in Court - as I feel a judge would firmly tell them where to go!!
Wow sounds a bit scary in itself.
I tried to speak to them but they seem adamant that as Emma has left home (gone to uni) then the 'creditors' would not accept her as financially dependant on us. there seems no common sense on this issue, but I will press on anyway ....
Also, our 6'4" son is apparently not an ADULT but a child, because we are still claiming child benefit on his behalf,, and because he is at school. Sounds like a technicality to me.
But I have been told to fill out an I&E form 'honestly', and when I suggest £456 for 3 adults they say 'you cant have that much because he is a child' and I say 'but you told me to be honest' ..... and then we go around in circles......
Mel posted on a previous thread that maximum guidelines for three adults (and she classes your son as an adult) is £456.
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
Hi kallis3 - i know but Payplan have just told me over the phone that I cant class him as an adult so I expect they will refuse my £456. I wondered if there is a different figure for 2 adults and a 'PayPlan style child' ?
How ridiculous is that? At his age and size he will be eating adult portions anyway.
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
I know. I have put down £456 and if they refuse then I will ask to speak to the IP rather than the admins.....
So I have had to reduce to demonstrate that we have already forgotten about our daughter .... and I will write to the IP and ask for a written explanation as to why we are not allowed to include her.
"They will not break me" ... ... thanks for listening... and thanks for your posts they are a true help to all of us
I hope you get it sorted Stevie. You know we are always here 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
... thanks for listening... and thanks for your posts they are a true help to all of us
