Hello,
I am really really fed up and feel having had an IVA is messing my life up. I started my IVA Jan 2006, completed in Feb 2008. I cant get any credit cards (to build my score back up), the only mortgages i can get are between 8-9% interest rate with a 20% deposit. But what really makes it worse and tops it all is that it is affecting my career.
I am training to become an Accountant. I am AAT qualified and currently studying ACCA. I applied for full membership to the AAT in March so that i can be a member and use the letters etc.. BUT needed to declare that i had made a previous creditor arrangment on the full membership application form. They dont even bother writing back to let me know the progress so after about 5 weeks i call them and they tell me that I will be taken to disciplinary and investigated. This was demoralising in itself.
So the latest is that they contacted me last week asking for ALL the details of the IVA (amounts, reasons, type of credit, creditor names, everything and anything). I have sent this to them but am waiting for a response. I am soooo ANNOYED. I have spent a massive amount of my time studying and working hard on my AAT, spending loads of money and pushing myself to pass. And now im being told that I may not even be able to become a member and whatever decision they come to is FINAL. How can they do this to me ? I have worked soooo hard and feel they are punishing me.
When i took out the IVA, i did not see it as a way to cheat the crediors out of some money. I saw it as an honest logical way to sort my financial problems out.
Have you got any advice ? Im so fed up
!!
Thanks for your time !!!