Just dont say you weren't warned WHEN this comes back to bite you on the @ss.
No company will write off �40K just because you dont want to pay it.
And im pretty sure that, even with what you have looked up there, it wont apply seeing as you have actively evaded them (with help from your own mother).
You have purposely went out of your way to stay "under cover", so that you wont be found and, hopefully, wont have to pay back the money.
As soon as you are found out, they WILL want the money back.
Either that, or you'll go to jail for fraud