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mitsu8
Junior Member
272 Posts |
 Posted - 03 March 2011 : 19:25:06
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hi been discharged for 6 months now and thought everything was finished.im self employed in construction and so didnt have to have a nil tax code.today received a letter from moonbeever asking for statement of earnings from oct 2009 to apr 10.it says that they requested it back then but i never had anything from them.i have nothing to hide but thought it was all sorted out as we have just been getting on with our lives and i thought all this had finished.does this mean that they could start an ipa or anything else thanks |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 03 March 2011 : 20:43:38
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Bumping this up mitsu so that an expert can see it and advise hopefully!
Double, double toil and trouble;
Fire burn, and cauldron bubble.
Jan
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 March 2011 : 20:52:01
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Once you have been discharged you cannot get an IPA. I would give MB a call and explain what has happened and I'm sure you won't have a problem.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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mitsu8
Junior Member
272 Posts |
Posted - 04 March 2011 : 15:45:10
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| hi i suppose what i want to know is do i still have to cooperate as been discharged 7 months.i am sending the stuff off anyway but wondering where i stand |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 04 March 2011 : 18:30:10
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It's a bit late for MB to be asking for that if you're a discharged bankrupt. An IPA can only be entered into whilst you're an undischarged bankrupt.
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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mitsu8
Junior Member
272 Posts |
Posted - 04 March 2011 : 19:35:49
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hi thanks for reply.do you think i am within my rights now to not cooperate.to be honest i thought everything was over as house was sorted and car etc.been discharged since july and things have been on a upward spiral.i have put everything away and basically put it out my head.thanks quote:
Originally posted by Bigal4787
It's a bit late for MB to be asking for that if you're a discharged bankrupt. An IPA can only be entered into whilst you're an undischarged bankrupt.
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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Edited by - mitsu8 on 07 March 2011 15:35:16 |
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moodybluetwo
Junior Member
156 Posts |
Posted - 07 March 2011 : 16:13:58
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| I am in much the same situation...I think you might be liable for tax payment whilst you were BR up to April of that year. They (Moonbeaver) would not know how much to collect untill they could see your accounts. |
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debtinfo
forum expert
2826 Posts |
Posted - 07 March 2011 : 17:53:59
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| Being discharged does not relieve you of responsibility to co-operate with the OR, That continues forever. It only means that you dont have to declare anything new after discharge, you still have to help the OR complete their reasonable enquiries for events that happened during the bankruptcy |
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Anne.ap
Starting Member
4 Posts |
Posted - 10 March 2011 : 15:15:43
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Hi - this thread struck a chord with me - I hope you don't mind me jumping in??
I should be automatically discharged from my bankruptcy next week - it cannot come soon enough!! I have an IPA in place and I am self employed. To date I have not received a request from the OR regarding an update on my income and expenditure which I had expected - or is that not the case?
After discharge will Moonbeever or the OR still have the right to see my books? I have cooperated all the way through this process and have nothing to hide but I do look forward to the time when I can resume running my affairs without the thought that I might have to justify my actions at some point in the future.
Really I would like to hear from someone about how discharge and the ongoing monitoring through the period of the IPA happens - if that makes sense??
Many thanks
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debtinfo
forum expert
2826 Posts |
Posted - 10 March 2011 : 15:21:53
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| Having an IPA is the one exception to the above, they will not necessarily send you new forms, but you have a duty to inform them about any changes to your income and expenditure throughout the IPA |
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Anne.ap
Starting Member
4 Posts |
Posted - 10 March 2011 : 15:31:55
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Thank you for your speedy reply!
So I shouldn't necessarily expect them to ask - for the whole remaining period of the IPA?? Should I not expect them to request some sort of summary at some stage?? I am aware that I should contact them when/if there are changes to my income or expenditure and I shall do that.
Is this the norm for completing a period of bankruptcy? It just seems a bit of an anticlimax really - not that I'm complaining of course!
Thanks for your help
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debtinfo
forum expert
2826 Posts |
Posted - 10 March 2011 : 17:06:03
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| Alot is really done on trust with the implicit threat of what will happen if you dont tell them, of course im sure they do a few random checks on people to keep the masses honest :-) |
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statement of earnings
