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Graham.m
- Posts: 1
- Joined: Fri Dec 12, 2014 12:40 am
I have an iva. I am about to start a new job where I will be provided with an application for a company credit card is this allowed ? or will I be credit checked ?
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luluj
Forum Expert
- Posts: 11333
- Joined: Sun Dec 09, 2007 6:54 am
- Location: United Kingdom
A credit check in your own name will show your iva ..it might be worth explaining to your employers so that a 'workaround' can be found.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Look at my blog "All I wanted was a baby"
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MerlinL14
- Posts: 1626
- Joined: Sun Oct 30, 2011 2:44 pm
- Location:
I have a company Amex credit card Graham. The blurb said I would have an extended credit check? whatever that is. I had no problem getting the Amex card and my credit reports actually show no credit checks just an electoral roll check.
p.s. That was this year, my IVA is still on my records and the insolvency register.
Last edited by
MerlinL14 on Fri Dec 12, 2014 1:26 pm, edited 1 time in total.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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Soldout
- Posts: 1
- Joined: Wed Nov 19, 2014 10:04 pm
- Location:
It will also depend if the company card is set up for personal liability (ie you're responsible for the debt) or if the company is ultimately responsible. Assuming the latter, there shouldn't be any credit check done against you
Soldout
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Jules79
- Posts: 191
- Joined: Tue Jun 19, 2012 11:24 am
- Location: United Kingdom
We have recently been accepted for a Vanquis card whilst showing in the Insolvency register. High APR but useful for what you intend to spend on it. You are best speaking with your IP as any credit facilities need to be agreed by them.
**23'04'14 - IVA Complete F&F Agreed with payments made to date oh and a fat PPI reclaim helped too. Completion Certificate received 23'10'14 ** After a couple of years of waking up and 'surviving' the day I now wake up and 'Live' for the day!!
**Any comments I make are purely my own opinions**
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geoffr
- Posts: 208
- Joined: Mon Aug 16, 2010 9:34 pm
- Location: United Kingdom
Hi,
Posted on here before about Company Cards. They are fine as the liability rests with the company, not you. I have a Citibank one but they can only be used in conjection with the business. I also let my IVA company know too
Cheers
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Cleo76
- Posts: 77
- Joined: Fri Jan 25, 2013 5:53 pm
- Location: United Kingdom
I have an American Express credit card for work. I also panicked when the application went in through my employer but it was fine.
