Posted: Mon Dec 02, 2013 2:32 pm
will my IVA know if i receive a 30 grand cheque, open a new account, cash it and close it immediately
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Posted: Mon Dec 02, 2013 2:37 pm
If you are in an IVA it is your obligation to inform your IP of any windfalls. Failure to do so is a criminal offence and you could go to jail. It is irrelevant whether or not your IP would find out as you must declare it.
Posted: Mon Dec 02, 2013 2:39 pm
but how would they find out
Posted: Mon Dec 02, 2013 2:50 pm
Surely the simple fact that it would be a criminal offence should be enough to stop such thoughts? Dishonesty always has a way of catching up with you so my advice is be very careful with these thoughts.
Posted: Mon Dec 02, 2013 3:18 pm
The bank could run a credit search before opening the account and inform your IP and if it was an inheritance the solicitor could do the same. Alternatively, someone you know could inform the IP but regardless it is a criminal offence and should not be done. Let your IP know and perhaps propose a variation whereby you could keep some and offer the rest. This will keep everything legal and you will not have to keep looking over your shoulder.
We had a client who received nine months in jail for not disclosing an inheritance so it is very serious.
We had a client who received nine months in jail for not disclosing an inheritance so it is very serious.
Posted: Mon Dec 02, 2013 3:49 pm
Why not see if you can use it to finish your IVA? Wouldn't that be better than hiding it and worrying about getting caught?
Posted: Mon Dec 02, 2013 5:01 pm
Omg I wish someone would give us 30000 so I could finish our iva journey early!!
Posted: Mon Dec 02, 2013 5:11 pm
I know from experience (as the receiver of such information in a previous life) that these things can and do come out of the woodwork. It isn't worth the risk or the years of worry that you might be found out.
Posted: Mon Dec 02, 2013 5:57 pm
30000 is a lot of money. I would definitely say to declare it as these things have a tendency to come back and bite us and surely running the risk of a jail term is too much, well would be in my humble opinion.
Posted: Mon Dec 02, 2013 6:10 pm
Helen your IVA saved your sorry ar*se when you needed it the most, I can see the draw and the temptation! To be fair to Helen she asked the forum the question of a moral deliberation, some might not. So I’m not going to berate it as some might, for surely if such a thing were to happen to me (which it didn’t more the pity) I too might ask such a thing.
Could you hide it from fiscal investigation, in criminal terms probably not, in civil terms probably yes, if so minded. Question is, do you want run the risk of the latter becoming former, a small chance maybe, but chance slight so happens now and again.
So if such a thing were to occur, I hope you make the right choice, at the very least it sits well with you, in front of the mirror.
Could you hide it from fiscal investigation, in criminal terms probably not, in civil terms probably yes, if so minded. Question is, do you want run the risk of the latter becoming former, a small chance maybe, but chance slight so happens now and again.
So if such a thing were to occur, I hope you make the right choice, at the very least it sits well with you, in front of the mirror.
Posted: Mon Dec 02, 2013 6:28 pm
HI Hellen
Surely its best to declare it, and IVA is not a way of not paying back money owed, just a way of helping people who get into too much debt of repaying what they can afford, would the 30,000 pay off the IVA, you can then enjoy life debt and guilt free! If not perhaps as Michael suggest ask the IP to a variation and perhaps let you keep a little for yourself. Good luck with whatever you decide.
Surely its best to declare it, and IVA is not a way of not paying back money owed, just a way of helping people who get into too much debt of repaying what they can afford, would the 30,000 pay off the IVA, you can then enjoy life debt and guilt free! If not perhaps as Michael suggest ask the IP to a variation and perhaps let you keep a little for yourself. Good luck with whatever you decide.
Posted: Mon Dec 02, 2013 7:02 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by HellenWell I suspect this forum logs the IP addresses (either intentionally or incidentally), I suspect if the police asked (they might want to investigate conspiracy to defraud)
but how would they find out
Your ISP will log the IP address against your broadband account and will provide the address that account is registered to when asked by police or with court order
Martin
Posted: Mon Dec 02, 2013 7:18 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>I suspect that there's also no time limit as to when action could be taken, it would have to be undiscovered for life not just until you get your completion certificate
We had a client who received nine months in jail for not disclosing an inheritance so it is very serious.
Martin
Posted: Tue Dec 03, 2013 7:15 am
before we all jump on the moral bandwagon,
I read this that the OP is only asking the question 'in case' not that she has received it.
I will admit if I received a cheque like that I would for about 10 seconds dream and wish I could keep it, but I am such a paranoid person I would hand it over. Nice to dream though...
I read this that the OP is only asking the question 'in case' not that she has received it.
I will admit if I received a cheque like that I would for about 10 seconds dream and wish I could keep it, but I am such a paranoid person I would hand it over. Nice to dream though...
Posted: Tue Dec 03, 2013 8:03 am
I don't think anyone has jumped on any bandwagon -- we are all just answering the original question ... hypothetical discussion all round 