www.iva.co.uk

[:)]Hi,

I am in the process of filling out an Application Form for a New Job.
One of the Questions ask if i have had any outstanding CCJ's and if i have ever been declared Bankrupt.

What do i put Yes or No to Either as i am in an IVA and have never had a CCJ nor been through Bankruptcy.

I have been in my IVA for 10 months.

As far as I know if the question is only about BR you can say no as you aren't BR. If it asked about insolvency you would have to say yes.

Good luck with the application!

What job are you applying for? I had to answer a similar question when applying for insurance.I answered no despite the IVA.IVA is not bankrupt is it? It's insolevant.Or am I splitting hairs?

You can truthfully answer that question as "No" if you have not had a CCJ or been bankrupt in the past. An IVA is neither.

Andrew, I notice it is an application for G4S. If it is for a security position, this is normal practice. It is simply following the BSI guidlines for security screening. If someone declared ccj's or insovency it does not preclude them from employment. It just has to be declared or raised up to the directors of the company so they are aware and they accept you. I interview people in similar situations every week and do not see this as an eclusion to employment. My company, to keep within the BSI guidlines run a basic credit check, but are only interested in fraud convictions. Hope this helps alay any fears. If you do not already have an SIA licence, the SIA only check criminal convictions not credit checks.

Hi
Why,when applying for house insurance,does the insurance company ask if you have ever been made bankrupt ?
Regards

Hi Andy I can provide a suggestion for this (see my profile),

If insurers become liable under the terms of a policy they payout. As part of this process (behind the scenes) the handler then begins the process of 'recovery' of some of that money. This means there can be various binding agreements with other insurers or firms to share the loss with the insurer that has paid out.There may also be liability on someone else.

e.g say your house insurance payout on a claim and you also have cover with the bank or the insurer has an agreement with another company to share liability for a particlar product or circumstance for example - then after paying out (unbeknown to you)the handler will seek recovery under that agreement of their share of the money paid out. Similarly he may seek recovery from any third party who is liable for the loss. The handler can sometimes earn a percentage (I did) of any money he manages to identify and recovers for the insurer.

If you are bankrupt then this could prejudice that process since the insurer might not have the first call on any recovery monies due. There is therefore an increased 'risk'.

Secondly insurers are heavily into Fraud Avoidance when assessing claims and obviously the less money you have the higher you score on the potential fraud indicators when assessing a claim.

There is also of course an obligation to ensure you pay the money to the person entitled to receive it (regardless of who makes the claim)which can make the assessment and payout of the claim slightly more complex or the insurer could suffer a double loss in theory.

Not a lot of people realise but if you have made a claim on one insurance policy then the insurer will seek to identify and claim a portion of the payout from any other policy you have or agreement that covers it without you even realising it.

PS I do a lot of editing because im a bit of an edward sausagehands on the keyboard.

Hi
Thank you for your reply.
A very interesting and helpful post that is much appreciated
Regards

When we moved Dave was refused contents insurance because I was BR even though the insurance was in his name.