False Information

Get expert opinion. This is the place for new questions to be posted.
  • 1
  • 2
20 posts Page 1 of 2

 

User avatar
Guccipuppy
Posts: 1
by Guccipuppy » Mon Jan 18, 2010 3:23 pm
A colleague of mine at work has been bragging that she is in an IVA and she has falsified inforation on her application which has been accepted and has been running for around 6 months now. Apparenlty she has 2 jobs but only declared one income on her income and expenditure, she has her other wages paid into a separate bank account that wasn't declared. Surely this should not be allowed to happen, this seems totally unfair to all of those who are totally honest in their applications.

 

User avatar
Michael Peoples
Industry Expert
Posts: 15188
Contact
by Michael Peoples » Mon Jan 18, 2010 3:29 pm
Hi Guccipuppy and welcome to the Forum.
You are absolutely right that should be the case and this person is not only making a mockery of the IVA process and those in it, but is also committing an offence. She is also very silly as this information is on record with HM Revenue and Customs so she could get into serious trouble.

For her sake I would advise her to come clean and speak to her IP before the IP finds out. Maybe if that did happen she would not be so smug.
Last edited by Michael Peoples on Mon Jan 18, 2010 3:34 pm, edited 1 time in total.

 

User avatar
kallis3
Forum Expert
Posts: 71944
Contact
by kallis3 » Mon Jan 18, 2010 3:32 pm
I certainly wouldn't be boasting about doing that. She should have declared everything and been up front.

Just as a matter of interest Michael, would her IP company find out about this? Do they do any sort of checks while an IVA is running?

 

User avatar
Michael Peoples
Industry Expert
Posts: 15188
Contact
by Michael Peoples » Mon Jan 18, 2010 3:38 pm
It would be possible to find out from HMRC if the P60 supplied to us was the only one issue in her name but that would mean checking up on all your clients and I think HMRC would tell us where to go. However, if they are aware she is in an IVA they will let the IP know but the real issue is trust. People enter IVAs to make their best offer to creditors and we should trust our clients. Idiots like the person referred to should not be allowed to blacken the process or those in IVAs.

 

User avatar
ComeOnYouSpurs
Posts: 60
by ComeOnYouSpurs » Mon Jan 18, 2010 3:40 pm
An IP request for her P60 at review time would put her into the mire.... assuming that she isn't making things even worse by working "cash in hand" in her second job.

 

User avatar
kallis3
Forum Expert
Posts: 71944
Contact
by kallis3 » Mon Jan 18, 2010 3:55 pm
I totally agree Michael - the vast majority of us who are in an IVA are truthful and just want to try and get debt free at the end of the day.

 

User avatar
Darkdog
Posts: 146
by Darkdog » Mon Jan 18, 2010 4:22 pm
and there's me worrying if I can add dog food to my I&E sheet, we have sent everything to our prospective IP even down to what's on my repeat prescription

 

User avatar
Julie
Posts: 9503
by Julie » Mon Jan 18, 2010 4:42 pm
Darkdog, you are right to include everything....people like guccipuppy's colleague will get their comeuppance ( oooh I sound like my mum [:D]). Aside from being dishonest they are not learning any lessons and possibly will end up back in debt.

Much rather be honest me [;)]

 

User avatar
kallis3
Forum Expert
Posts: 71944
Contact
by kallis3 » Mon Jan 18, 2010 4:43 pm
Me too Julie!

 

User avatar
Shining
Posts: 27023
by Shining » Mon Jan 18, 2010 5:43 pm
I'm 100% honest and proud of it. I'm sure the friend of the poster will be found out eventually and then surely her IVA will fail and he/she will be back to square one.

 

User avatar
kallis3
Forum Expert
Posts: 71944
Contact
by kallis3 » Mon Jan 18, 2010 5:47 pm
Hopefully she will Lesley.

No way would I be boasting about anything like that anyway! The less people who know about my IVA, the better!

 

User avatar
TheMatrix
Posts: 2171
by TheMatrix » Mon Jan 18, 2010 6:23 pm
I don't want anyone to even know about my IVA let alone boast about being in one either.

 

User avatar
kallis3
Forum Expert
Posts: 71944
Contact
by kallis3 » Mon Jan 18, 2010 6:44 pm
Same here.

 

User avatar
Simbel
Posts: 348
by Simbel » Tue Jan 19, 2010 10:01 am
Gosh - what a nerve! I'm getting all upset with the fact that my name will appear on the insolvency register.

 

User avatar
MelanieGiles
Industry Expert
Posts: 47612
Contact
by MelanieGiles » Wed Jan 20, 2010 2:24 am
In reality - if HMRC are not a creditor, no-one would probably ever find out about this. She is committing fraud and deception and has to live with that - but if I were here I would not be bragging too much about it. As in WW2 - Walls really do have ears.
  • 1
  • 2
20 posts Page 1 of 2
Return to “Ask IVA Forum and Industry experts”

Who is online

Users browsing this forum: No registered users and 22 guests