Should I mention HB overpayment?

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Reece321

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Post by Reece321 » Tue Jul 09, 2019 3:41 am
Hi,

I've currently sent my proposal off today but have only just realised that I did not say about a housing benefit overpayment. Should I tell my ip even though it is being recovered through deductions from my current housing benefit.

No worried it won't be accepted 😱

Foggy

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Post by Foggy » Tue Jul 09, 2019 8:02 am
I would discuss this with your IP. As far as I am aware HB can be included in an IVA, but the council can also recover from deductions to ongoing benefit and anything not paid at the end of the IVA is written off. You IP will (should) know what the current situation is regarding overpaid benefits.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Reece321

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Post by Reece321 » Tue Jul 09, 2019 9:29 am
Hi foggy,

I've spoken to my ip and he said that he will have to add my partner as its joint tenancy claiming hb, I just hope this doesn't create problems as am getting a bit worried now :oops:

Foggy

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Post by Foggy » Tue Jul 09, 2019 9:48 am
Tue Jul 09, 2019 9:29 amReece321 wrote:
Hi foggy,

I've spoken to my ip and he said that he will have to add my partner as its joint tenancy claiming hb, I just hope this doesn't create problems as am getting a bit worried now :oops:
What does he mean by "add your partner" --- as a creditor ?? Or make them have an IVA also ??
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Reece321

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Post by Reece321 » Tue Jul 09, 2019 10:10 am
Because the hb overpayment is in both our names my ip wants to add her to the iva so she doesn't get hassled

kallis3

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Post by kallis3 » Tue Jul 09, 2019 10:14 am
She would have to have her own IVA or an interlocking one with you. Does she have much in the way of debt?
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.
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Reece321

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Post by Reece321 » Tue Jul 09, 2019 10:17 am
She doesn't have any other debt and I think that's what he's thinking about having an interlocking one so that we are both protected ny the iva

Foggy

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Post by Foggy » Tue Jul 09, 2019 10:38 am
I think that putting her in an IVA for this overpayment is a heavy handed way of dealing with it. Personally I would leave her out of it -- yes, she will still owe the overpayment, but they council is deducting it anyway, and will continue to do so. Your provider is treating it like a joint debt, where the full debt would fall to her.

I would have a chat with another provider as to how they might handle this and also have a chat with the council.

How much is this overpayment ?

NB -- I should point out that this is just my opinion -- I have no training in this area.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Reece321

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Joined: Mon Jul 08, 2019 9:28 pm

Post by Reece321 » Tue Jul 09, 2019 10:46 am
On further inspection of paperwork it's in her name anyway so am I right in thinking it can be left out all together?

Foggy

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Post by Foggy » Tue Jul 09, 2019 10:49 am
Tue Jul 09, 2019 10:46 amReece321 wrote:
On further inspection of paperwork it's in her name anyway so am I right in thinking it can be left out all together?
If it is in her name only it cannot be included in your IVA anyway ... so no worries.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Reece321

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Joined: Mon Jul 08, 2019 9:28 pm

Post by Reece321 » Tue Jul 09, 2019 11:02 am
Yes that was a big weight lifted off of my shoulders with the worry of whether it'll go through or not I didn't need that on top (phew!!)... For now🤔

Thankyou guys for all the advice and help you've given
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