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Social Security Administration Act 1992-Section 187

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  • #16
    Re: Social Security Administration Act 1992-Section 187

    I suppose when completing an I/E return for a Bank...in order to verify your request for reduced payments...then no matter where your income goes (ie benefits in to one bank, pension into another etc)..they all have to be included on the return. But....as these returns never seem to have any verification requirement by the creditor....the question is, what if you miss things off it (like your benefits ...) I'm not advocating fraud or anything, but what actual legal standing does a I/E form have ? Can it be taken to court and queried..can proof be demanded...is it even totally necessary to fill one in ?

    Typically a creditor will ask for annual updates to I/E forms, as a condition of continuance of reduced repayments..cancellation of interest charges and fees maybe...even avoiding the passing of the debt to a DCA. But if you stop sending the creditor annual updates, for whatever reason, what would be a reasonable consequence do you think ?

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    • #17
      Re: Social Security Administration Act 1992-Section 187

      Originally posted by jax50 View Post
      I suppose when completing an I/E return for a Bank...in order to verify your request for reduced payments...then no matter where your income goes (ie benefits in to one bank, pension into another etc)..they all have to be included on the return. But....as these returns never seem to have any verification requirement by the creditor....the question is, what if you miss things off it (like your benefits ...) I'm not advocating fraud or anything, but what actual legal standing does a I/E form have ? Can it be taken to court and queried..can proof be demanded...is it even totally necessary to fill one in ?
      They can't be taken to court and queried unless they are being submitted through the court, for example, when applying for a variation of the terms of a judgment or to stop an attachment of earnings being applied for. This would also apply if you were dealing with things like council tax and other tax debts, court fines, maintenance payments, etc.

      For ordinary unsecured consumer debts where you haven't been taken to court, there's no obligation to submit an I&E form but you may consider submitting one if you think it could help your case. :thumb:

      Originally posted by jax50 View Post
      Typically a creditor will ask for annual updates to I/E forms, as a condition of continuance of reduced repayments..cancellation of interest charges and fees maybe...even avoiding the passing of the debt to a DCA. But if you stop sending the creditor annual updates, for whatever reason, what would be a reasonable consequence do you think ?
      It depends on the creditor, some may not bother, others will start barking loudly. I know people who've been paying monthly tokens towards their CCJs for years, without being questioned.

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