Hi,
I quit my previous employer in May 2016 and requested to Roll over my 401k to new emloyer plan in June 2016. They sent me a check which i failed to deposit in my new 401k . in Jan 2017 they send me a 1090R with column 7 as G direct rollover. later in Aug 2017 i requested them to send me another check so that i can rollover they send me a check less 20% tax addressed to me. I called them to correct it so that i can do direct rollover but they are claiming that the date has passed .
what options do i have now . i did not take the money and it is my fault to delay it this long. can i be able to get the tax refund and also avoid the 10% penalty if i can open a new IRA .
Please advise
