- Tue Dec 03, 2013 10:43 am
Hi there Sid
I think what James is getting at is that the OR is basically concerned about anything that could affect the amount you are paying them each month. Of course if a change which results in you having to reduce your IPA payments is unavoidable then the OR has no choice but to accept it. However if it seems to the OR that the change is simply to improve your standard of living they could question this. Their argument could be that you must wait to make such changes until your IPA has finished and that is what bankruptcy is all about.....
Ultimately the only way you will find out how your OR is going to react is to have a chat to them about it before you make the decision. If you lay it on thick about the fact that your current accommodation is really not suitable and the option to move to such a reasonably priced place may not come up again AND you should be able to do more work to make up the difference then I would have thought the OR would be OK with it.
However I would definitely advise against you just moving anyway without sounding your OR out first. If you did this and then the OR dug their heals in about you maintaining your agreed payments it could leave you in a spot if you cannot find more work.......
IVA completed - July 2011
As a forum moderator I am here to help other forum members by sharing my experience of solving a debt problem and giving suggestions and advice where I can.