www.iva.co.uk

https://www.wheelstowork.org/mopeds.html So my area do a wheels to work. The link will explain it but this would help me massively as I am a key worker and struggling with getting to it.. what advice would you guys say? I don’t know what credit fix cos I would obviously talked to them before I applied

You do need to speak to CF - will it impact on your IVA payments? Will they need to do a credit check?

Sun Dec 06, 2020 12:06 pmkallis3 wrote:

You do need to speak to CF - will it impact on your IVA payments? Will they need to do a credit check?

no it won’t effect my payments and I don’t know if they do credit checks I’ll email them and ask?

It will hinge on whether CF agree to the arrangement, then on whether WtW will accept you.

Let us know how you get on.

Sun Dec 06, 2020 12:06 pmkallis3 wrote:

You do need to speak to CF - will it impact on your IVA payments? Will they need to do a credit check?

What happens if they need to do a credit check? I didn’t know but when changing internet this morning they do credit checks now!!! Of course they did one and I wasn’t Accepted but still for internet!!

An IVA on credit files is pretty much the 'kiss of death', however, some firms have a more flexible policy and will lend regardless. For instance, I managed to get a new phone contract during my IVA. Maybe have a chat with WtW first before involving CF.

Agree with foggy ... call WtW and talk to them. Be honest about your iva and see what they say ....you may be surprised!

Okay so I emailed them asking if they do credit checks and they replied with “ Thank you for your enquiry. We do not do credit checks for the moped loans, but do ask for proof of employment with completed applications. If you would like any further information please ask”

Sounds promising.

Ooooh ... looking good !

Yes Now what do I do just contact credit fix cos wtw won’t be bothered?

Yes, speak to them and see what they say.

Like what would I say and how would I word it? Cos I’m awful with talking to people

What travel related expenses do you already have agreed, if any ? If you can show that the moped will be cheaper in the long run, that would help. Also point out your current difficulties and how they might stop you getting to work ( no work = no income = no debt repayment) .

Explain why you need it and the full circumstances of the contract ad the fact that it will impact on your work.

You could try putting it into an email.