If the borrower is declared bankrupt, dissolved and liquidated, is in a state of apparent insolvency or in case of a payment delay of at least three months, you can make the Winwin loan payable by registered letter or by filing a declaration of debt in bankruptcy through RegSol. Within a period of three months from this claimability, you must notify PMV by cancelling the agreement through our website, stating the reason for claimability.

The lender will receive a cancellation letter of the Winwin loan from PMV. You will keep that letter, along with proof that all or part of the principal of the Winwin Loan has been permanently lost, available to the tax authorities. Proof of final loss (capital only!) can be provided by a tax loss certificate from the trustee or liquidator and further by all means of proof permitted by common law except oaths: written evidence, evidence by witnesses, presumptions, confession of parties. It is advisable to contact your tax auditor about this first. After all, it is the taxman who must accept the evidence.