Reply to: Stupidity beyond belief re: tax from family member

[KentPhilip]

That was one of his bright ideas...

Why didn't he choose that option?

[psychocandy]

Bankruptcy.

That was one of his bright ideas...

[Platypus]

What's to stop the brother from just refusing to pay the outstanding tax?

They'll threaten bankruptcy.

If he's smart, he'll borrow another £700 and declare himself bankrupt, thereby getting rid of all debt to HMRC plus credit cards and anything else. Not a great idea is he owns his house (in this case, do the research). And he shouldn't get his car MOT'd as they'll seize it so the less it's worth the better.

Losing his job provides the perfect reason to go tits up.

[vetran]

What's to stop the brother from just refusing to pay the outstanding tax?

Bankruptcy.

[KentPhilip]

What's to stop the brother from just refusing to pay the outstanding tax?

[MyUserName]

Maybe. But it also highlights the issues that stupid people should stick to standard permie PAYE employment.

But it is not just stupidity that seem to be the case with some people - I cannot speak for your brother but my brother in law and others all seem to have this disproportionate sense of entitlement, it is that as much as stupidity which causes their issues.

[psychocandy]

Maybe. But it also highlights the issues that stupid people should stick to standard permie PAYE employment.

[cojak]

Yep, it's not really relevant to Accounting/Legal is it? That's for contractor stuff...

(I might have kept it there had it not been for the General question 'Anyone got worse sibling than me?'.)

[northernladuk]

Shouldn't this be in general? There is no question here, just another blog on PC's life.

[psychocandy]

No need to watch Jeremy Kyle today. Here's latest instalment of the new soap 'stupid nobheads in the valleys'.

Old man phoned me last night to tell me - it gets worse brother made redundant today. Hmm thought I. It doesn't happen like that overnight especially as I know he works for a large national company.

I also know he wasn't self-employed any longer and got deducted tax at source. Weird. Then I realised - looks like he was on a temp contract via a brolly or similar. Still seems strange to have zero notice though.

So hes even stupider than I thought. Hes not permie, and hes spent every penny in his account every week and saved nothing. Nice one. Complete bell-end.

(BTW - last weeks wages seems to have disappeared already since last Thursday. Approx £700 on beer and fags it seems. Now hes moaning his car needs MOT and he's skint).

Got to pay HMRC £250 a month for 10 months. Even if hes working no way in a million years is he going to pay that.

£72 a week is going to be a shock for him methinks. Knowing him though he won't be arsed to contact jobcentre and will be whining in a few weeks about how skint he is and how everything is so unfair.

[psychocandy]

LOL This is the same situation word for word as me. I would say we could be twins but won't bearing in mind your brothers situation. Puts my parents in a situation where they have to bail her out and offer me the same so it costs them twice as much and all I want is for them to spend and enjoy it. One of the reasons we have opted for the offset mortgage is to keep any money he gives us in an account to give it straight back if they need it. I don't feel right committing it to the mortgage or spending it.

Me and PC being in the same position hey... who would have thought that then!!!

Aye. My old man won't spend either. Same as you - I don't want the money. £2K is nice to have but, as you know, its a few days work after all.

But if I didn't take the share, brother would screw the lot. One advantage of me keeping the money also is that its not in the old mans account. He can't seem to appreciate that keeping loads of money in his name is not a great as he gets older.

How anyone can continually sponge off parents is beyond me totally.....

Like I said, he ain't a kid. 43 years old next birthday...

[psychocandy]

I reckon you need to have a heart-to-heart with the old man. If your bruv gets out of this lightly, given the profile you portrayed, he will do it again and perhaps on a larger scale.

Some families do 'ave 'em :-) I have someone close to me that makes your bruv looks like a role model. Tough love is the right medicine for people like these, as Lisa said.

Has done in the past to be honest. Many years ago helped him out when he couldn't be arsed to pay the mortgage/car loan after relationship breakup. Went to court with him/ negotiated with loan people on his behalf.

When loan people wanted £200 or so up front that day so car wouldn't be repossessed I paid up for him. Bit galling to see him months later when it had all been sorted pissing it up against the wall and he'd made no effort to pay me back.

Took him a few years before he finally decided to pay me back. This was a while ago and £200 was more than a few hours work then for me! junior permie days.

Always remember that - which is why I aint bailing him this time.

Trouble is old man worries. No matter how times I try to tell him to leave him to it he won't.

[muser]

I reckon you need to have a heart-to-heart with the old man. If your bruv gets out of this lightly, given the profile you portrayed, he will do it again and perhaps on a larger scale.

Some families do 'ave 'em :-) I have someone close to me that makes your bruv looks like a role model. Tough love is the right medicine for people like these, as Lisa said.

[LisaContractorUmbrella]

I got the same problem. Just me and brother so as far as old man is concerned its 50-50.

He's got money, not a huge amount. But his income is enough for him, hes got a nice flat, does what he wants, but he just doesn't spend anything so it keeps getting more and more.

Trouble is when brother gets old man to bail him out he gives same amount to me. I don't really want it but, of course, if I didnt brother would just bleed him dry of all of it. For instance, this time hes given brother 2K and me 2K. If he didnt feel obliged to give me £2K you can guarantee brother would be sniff this out and be tapping old man for the whole lot.

So I keep this money in an account just in case (unlikely) the old man ever needs it.

As it is old man has also lent him £700 to pay the accountant. Good luck getting that back if past experience is anything to go by.

Brother even tried to say he had take coins from his coin jar to pay for new exhaust for his car. FFS - hes a welder - I'd be surprised, bearing in mind the hours he works, if he didnt come close to earning £1000 a week anyway. Not great for the likes of us but its not easy to blow the lot every month!

Can see me and brother falling out big time over this....... :-(

Sounds like a case for some tough love - met loads of people like this and until they reach a point where they have to be responsible for their own actions they will take hand outs from all in sundry. It's easier - they don't need to do anything so they don't.

[northernladuk]

I got the same problem. Just me and brother so as far as old man is concerned its 50-50.

He's got money, not a huge amount. But his income is enough for him, hes got a nice flat, does what he wants, but he just doesn't spend anything so it keeps getting more and more.

Trouble is when brother gets old man to bail him out he gives same amount to me. I don't really want it but, of course, if I didnt brother would just bleed him dry of all of it. For instance, this time hes given brother 2K and me 2K. If he didnt feel obliged to give me £2K you can guarantee brother would be sniff this out and be tapping old man for the whole lot.

So I keep this money in an account just in case (unlikely) the old man ever needs it.

As it is old man has also lent him £700 to pay the accountant. Good luck getting that back if past experience is anything to go by.

Brother even tried to say he had take coins from his coin jar to pay for new exhaust for his car. FFS - hes a welder - I'd be surprised, bearing in mind the hours he works, if he didnt come close to earning £1000 a week anyway. Not great for the likes of us but its not easy to blow the lot every month!

Can see me and brother falling out big time over this....... :-(

LOL This is the same situation word for word as me. I would say we could be twins but won't bearing in mind your brothers situation. Puts my parents in a situation where they have to bail her out and offer me the same so it costs them twice as much and all I want is for them to spend and enjoy it. One of the reasons we have opted for the offset mortgage is to keep any money he gives us in an account to give it straight back if they need it. I don't feel right committing it to the mortgage or spending it.

Me and PC being in the same position hey... who would have thought that then!!!