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indy2005
Junior Member
458 Posts |
 Posted - 14 May 2009 : 14:08:53
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Hi,
I contacted the RTLU about a payrise of £100 and now have to fill in an IPOQ. Since my original agreement, my wife has gone from 3 days to 2 days, and gas/electric have gone up. So hopefully, this will balance things out if they try to reduce my food allowance.
However I am at the time of the year where I need to choose my benefits at work (once a year). So, if I want to increase my pension contribution, buy additional holidays etc. now is my only chance to do it. This obvioulsy benefits me, but not my creditors - but don't I have a right it increase my pension contributions year on year (by a few %). Also, with small children - we are struggling with 22 days annual leave (the absolute minimum) in terms of child care cover through half terms, holidays etc. I would like to buy some additional days leave - or change my work pattern (drop two days a month). Where do I stand on this?
Of course all these things simply improve my quality of life, and reduce the IPA payment - but can the OR dictate to me what benefits I can take, or dictate to me the best way for me to manage childcare...?
I also want to drop my wifes contribution to the household by £100 as she is working 2 not 3 days.
Where do I stand on pension, buying additional holidays and dropping my wifes contributions (I can provide the RYLU with proof my wife left one job).
Thanks
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 14 May 2009 : 15:11:02
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If you wife earns less money then there shouldn't be any issue with reducing her contribution. The OR/RTLU cannot force your wife to contribute so shouldn't need proof of her reduced earnings.
I am not too sure about the holiday/pension contributions but I would put the increases down and see what the RTLU say. I am pretty sure that the RTLU cannot stop you from dropping a couple of days a month and will only be able to work out any IPA on the disposable income you have regardless of the number of days you work each month. |
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indy2005
Junior Member
458 Posts |
Posted - 14 May 2009 : 21:51:00
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Hi,
Thanks. Does anyone know what an acceptable pension contribution is as a % of income. I would hate to draw attention to my 6%, and they ask me to reduce it.
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ripski
New Member
United Kingdom
90 Posts |
Posted - 15 May 2009 : 06:04:47
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Hi there, what or who is an RTLU
ripski1 |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 15 May 2009 : 07:44:19
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Indy - I would say that 6% is quite a normal amount to pay into an pension so it should be fine.
Ripski - I don't know what RTLU stands for but once the OR is finished with your case and you are discharged from BR, either automatically or early, then your case is passed to the RTLU. They sometimes ask you to complete another I&E but other than that you don't really hear from them. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 15 May 2009 : 10:14:13
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RTLU stands for Regional Trustee Liquidation Unit.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
22 IPA payments made, 14 to go - on the home straight! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 15 May 2009 : 10:17:44
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RTLU stands for Regional Trust Liquidator Unit.
The glimmer gets brighter all the time
Jan
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Pensions, additional holidays - IPA
