I feel like we have been kicked down and the vultures are circling.
It started last May.
We were in the middle of moving and received a letter stating I am being audited for 2005 and 2006 tax year.
This also coincides when we need to have our taxes done for 2007.
When we didn't respond with all the receipts, in the format they required, we were issued with another statment that my Rental Losses were being denied and I owe $9000+.
Well my take home pay is only $20 K a year...
We scurry to hand deliver all the receipts in Sept., and make sure they are aware we had tickets purchased for our first vacation back to Aus in 6 years for Rob to visit his family.This was incase they needed more info, or they told us they were ready to pick up.
We arrive home Dec 1, and I call them, and she is still not finished.
In the meantime, because we had not responded in May, our file had been sent to the next department, who kept sending me threatening letters. I would call and explain, and tell them my taxes are under review in the Audit Dept.They would politely say they would add it to my file. After it was settled, it would show I do not owe that much.I also told them to hold my Child Tax Benefits and GST refund cheques, until things were settled.
Finally in Jan, we received notice the audit was complete.If we didn't agree with anything we had 30 days. We responded with more evidence and waited and waited.Still receiviong more threatening letter, even after faxing them correspondence from our Auditor that we were still in the middle of this.
Called the Audit woman in mid Feb, and was told it was being mailed out again at the end of that week.
Called again mid March and stated we hadn't received anything. She said she had been sick and then finished them the next day and sent it to us.
Again more threatening letters of collections. I called that office again and said even though we haven't even received the final reassessment notice I want to pay something. They suggested I mail 3 postdated cheques, which I did.
This week I recieved another threatening letter, stating they are starting garnishment of my wages. I called and said we haven't even received the notice. Oh, they said, our office is mailing that today. I begged them to stop the garnishment, as it does terrible things to your credit rating. She agreed to give me 90 days, as that should give me time to get things straightened out. I faxed her my employers payroll dept details. Didn't matter, the next day I recieved my paycheque, and half was taken.Now it is the Holiday weekend so nothing can be done until Tuesday.
One of our Lenders was not renewing our mortgage,(they moved out of Canada) and with our high debt, wasn't too confident we would qualify for another, especially in this market downturn.
We have economic downturn in the town where one of our apartment buildings is. It is now half empty, even after lowering the rents.
Figured I will take advantage of the vacancies and renovate.How I will pay for it I don't know.
Our carpenter who is renovating 4 mobiles and part of a house in exchange for a year of free rent seems to be avoiding us.Living rent free for the last 10 days...guess after 30 we will issue the eviction (we have to wait that long)Then it is 15 days after that.
The money I had paid on a credit card was taken, when they lowered my credit available, so it was no longer available to me (this was my renovation money)
The property with the house and 4 mobiles was supposed to be a Vendor Takeback for the downpayment. He then reneged and we had to come up with $15 K.He then changed his mind and didn;t want to sell us to us,,,until we threatened legal action.Then we only had a timeline of 30 hours to finalise it, instead of 9 days.
Our electrical power provider for our electric heated building (11 units) has decided we will be put on a demand meter, which will mean higher bills.
I was put back to my old job at work, because my position had been eliminated.I have to work 4-12 every second week instead of every 3rd week.
A couple of weeks ago we had the week off at work without pay, because of the slowdown.
I am robbing peter to pay paul for my bills this month.
I feel much better now.
Thanks for letting me whinge.
In a couple of years, we will have some good stories from this,how how tthey tried to stomp on us...but we survived and flourished.
It started last May.
We were in the middle of moving and received a letter stating I am being audited for 2005 and 2006 tax year.
This also coincides when we need to have our taxes done for 2007.
When we didn't respond with all the receipts, in the format they required, we were issued with another statment that my Rental Losses were being denied and I owe $9000+.
Well my take home pay is only $20 K a year...
We scurry to hand deliver all the receipts in Sept., and make sure they are aware we had tickets purchased for our first vacation back to Aus in 6 years for Rob to visit his family.This was incase they needed more info, or they told us they were ready to pick up.
We arrive home Dec 1, and I call them, and she is still not finished.
In the meantime, because we had not responded in May, our file had been sent to the next department, who kept sending me threatening letters. I would call and explain, and tell them my taxes are under review in the Audit Dept.They would politely say they would add it to my file. After it was settled, it would show I do not owe that much.I also told them to hold my Child Tax Benefits and GST refund cheques, until things were settled.
Finally in Jan, we received notice the audit was complete.If we didn't agree with anything we had 30 days. We responded with more evidence and waited and waited.Still receiviong more threatening letter, even after faxing them correspondence from our Auditor that we were still in the middle of this.
Called the Audit woman in mid Feb, and was told it was being mailed out again at the end of that week.
Called again mid March and stated we hadn't received anything. She said she had been sick and then finished them the next day and sent it to us.
Again more threatening letters of collections. I called that office again and said even though we haven't even received the final reassessment notice I want to pay something. They suggested I mail 3 postdated cheques, which I did.
This week I recieved another threatening letter, stating they are starting garnishment of my wages. I called and said we haven't even received the notice. Oh, they said, our office is mailing that today. I begged them to stop the garnishment, as it does terrible things to your credit rating. She agreed to give me 90 days, as that should give me time to get things straightened out. I faxed her my employers payroll dept details. Didn't matter, the next day I recieved my paycheque, and half was taken.Now it is the Holiday weekend so nothing can be done until Tuesday.
One of our Lenders was not renewing our mortgage,(they moved out of Canada) and with our high debt, wasn't too confident we would qualify for another, especially in this market downturn.
We have economic downturn in the town where one of our apartment buildings is. It is now half empty, even after lowering the rents.
Figured I will take advantage of the vacancies and renovate.How I will pay for it I don't know.
Our carpenter who is renovating 4 mobiles and part of a house in exchange for a year of free rent seems to be avoiding us.Living rent free for the last 10 days...guess after 30 we will issue the eviction (we have to wait that long)Then it is 15 days after that.
The money I had paid on a credit card was taken, when they lowered my credit available, so it was no longer available to me (this was my renovation money)
The property with the house and 4 mobiles was supposed to be a Vendor Takeback for the downpayment. He then reneged and we had to come up with $15 K.He then changed his mind and didn;t want to sell us to us,,,until we threatened legal action.Then we only had a timeline of 30 hours to finalise it, instead of 9 days.
Our electrical power provider for our electric heated building (11 units) has decided we will be put on a demand meter, which will mean higher bills.
I was put back to my old job at work, because my position had been eliminated.I have to work 4-12 every second week instead of every 3rd week.
A couple of weeks ago we had the week off at work without pay, because of the slowdown.
I am robbing peter to pay paul for my bills this month.
I feel much better now.
Thanks for letting me whinge.
In a couple of years, we will have some good stories from this,how how tthey tried to stomp on us...but we survived and flourished.
