Advice Please

[Sunshine Ahead]

Hi everyone, this is my first time posting, however, I've been reading this Forum for a while and I've found it immensely helpful [:)]
After much deliberation and struggling I’ve finally come to the decision of applying for an IVA. The agency dealing with my case has been most helpful and supportive and I’m going through the process at the moment. Apart from the huge guilt of letting my creditors down, my big concern was that people, including my work would find out about my IVA. For the purposes of my job I have to undergo a CRB check. I was also really worried that the IVA may show up on there. After a lot of research my mind was starting to be put at rest; I realised that the CRB (Criminal Records Bureau) check is just that *criminal* and being in debt is not a crime. I was just starting to get over that shame and embarrassment of the IVA (I don’t mean any offence to anyone by saying that, but this is something that I’ve really, really struggled with)..... That was until I found out about the Insolvency Register. I cried my eyes out when I found out about it and the prospect of all of my details including D.O.B and address being made public makes me feel like I am a criminal. With my job these’s a few pages on the web about me and the rest of the team, having won awards for work etc. When bored in the office, we often Google our own and each other’s names to see which entries come up. I am absolutely terrified that if the IVA is approved, one of my colleagues may search for me and my entry on the Insolvency Register will come up. I feel sick to my stomach. I was just wondering if anyone had experience of this happening; if you search for you name/ area is the Insolvency Register displayed on Google? Also does anybody know if employers search this Register? In your experience, do many people know of this Register? I didn’t know it existed until I visited this Forum. Any advice would be greatly appreciated (sorry to ramble on!) x

[Pandy]

Hi Welcome to the forum,
In answer to your question about the Insolvency register, I just googled my own name and went through the first 6 pages that came up and did not find one entry about it,
I also didn't know about the register until I came to this forum and it was mentioned. Unless you are actually going through it no one realises it exists. So I think you can feel a little safer,
I do believe that British Gas might use the register, or they are informed by someone as the informed me I was insolvent and changed my tariff (to a more expensive one, so it was bye bye BG)
If you are still unsure go onto the register and take any name and google it and see if it brings it up.
I also feel a sense of guilt that I cannot pay everything I owe back I think it is a normal feeling none of us put ourselves in this position deliberatly we all felt when we took out the credit it was managable.

[carole2662]

I think we all feel a little ashamed at out situation. The way I have gotten around that is to tell my self that I am paying back what I borrowed minus the interest,probably not true but I feel better with the whole thing

[plasticdaft]

For most of us,who have been juggling debt for years,companies have made a fortune in interest charges. I feel no guilt whatsoever.

Paul

[Sunshine Ahead]

Thanks very much for your comments, it's nice to know that other people are in the same position (as selfish as that sounds! But hopefully you know what I mean)I'm glad I found this Forum... even if it did lead me to discovering the Insolency Register

[Julie]

Hi Sunshine Ahead and welcome to the forum,

The register is a thorn in our sides and so unfair in my opinion! If its any consolation, the register is not known to most people. Employers wouldn't search it and it wouldn't show on a google search of your name.

xx

[Adam Davies]

Hi
You will ber fine and I am almost certain that your name will not show up on google via the insolvency refister.
This register should be restricted or abolished altogether
Regards

[Julie]

This register should be restricted or abolished altogether

Not for the want of trying Andy[}:)]

[dw1983]

I agree the register should be scrapped an iva is said to be private but then we are on a public register that's not very private is it

[silverlining]

I agree also.

Sunshine Ahead- please believe there will be. Because of the nature of my job I was terrified it would become known- it wasn't. I have just finished my IVA and not even my mother knew!
All the very best!

[Sunshine Ahead]

Thanks again for your comments and for putting my mind at rest,although I don't think I will fully rest untill 2015, lol! x