Have you confirmed that any tax refund has indeed been sent direct to your IP?
Have you checked with HMRC to see if a refund has been issued?
Even if it has been sent direct, you should have received notification of the amount from HMRC, if you haven't I would question if it has been issued yet.
Even if you are sent the money direct you would have to inform your IP and depending on the amount it would have to be given to support your creditors.
If you have fallen behind with things then you should seek a review of circumstances to see if a reduced payment can be agreed or a payment break to help catch up.
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