IVA co writing to my employers to inform them

[facingittogether]

thanks nicsy!

you know sometimes i feel like a leper, when all i have tried to do is sort out the mess i was in and pay back as much as i can! it is as simple as, if i did lose my job then bancruptcy would be the only option left, hey ho what will be will be!

hope no one finds out about yours - let us no how you get on!

barb x

[angela18]

well i slept on it, tossed and turned on it.. and still no clearer!! Woe is me!!

[MelanieGiles]

I am not aware of any requirement by HMRC to be advised of an employees IVA - but I am having lunch with the head of the team who deal with all voluntary arrangements next week and will make enquiries.

As for IP's not meeting self-employed clients on a face to face basis, this is in contravention of of current regulations - but let the IP worry about his/her license if this cannot be evidenced.

[angela18]

Melaine will you let us know what your friend advises about HMRC, please..

[rockbottom]

O MY GOD

i work for jobcentreplus although currently on a caring and responsibility break as i havent returned to work after having my daughter due to postnatel depression, i choose to take unpaid leave as i didnt want to risk losing my job, do you think when i do return to work they will do a finacial check again, im not in an IVA because ive still got my head in the shed and dont know which way to turn yet, but whichever route i take my credit file will be rubbish, i dont work in finance i will either go back as a teamleader or an advisor (in that role i do authorise payments to clients for clothes for interviews or travelling expenses etc)
Panicking a bit now

on the up side i havent used any creditcards for 3 weeks and it feels GOOOOOD
rockbottom

[MelanieGiles]

The more I think about this, the more I cannot see on earth how HMRC can insist that IPs send them copies of IVA proposals if they are employed by them but there are no debts. If correct, this would appeat to be an infringement of humand rights, and as an IP I would certainly not be happy to take part in that. I think that someone at the IP firm has got their wires crossed her, but I will check.

[facingittogether]

hi rockbottom

sorry i dont know if they will do a credit check but try not to worry!

i am sure there must be a lot of people in similar jobs to us that are in ivas and still in employment!

barb x

[facingittogether]

melanie

i work for the courts service and i have not told them at work and i dont want to! do you think all this like you say is wires being crossed and blown out of proportion?

barb x

[rockbottom]

thanks Barb

yes you are right, i think my heart rate is coming back to normal now, there is nothing i can do about it now so im going to try and forget about it, i will ring HR on monday (anonymously of course ) and just ask some general questions.

[MelanieGiles]

I'm convinced of it Barb - but you can see how dangerous posts like this can be as there will now be a number of the forum members worrying over the weekend - probably unecessarily.

[facingittogether]

thanks melanie!

barb x

[nicsy]

Im really really sorry if I have caused everyone so much worry. I was just looking for an answer as I was feeling so desperate. I had been in hysterics to the lady at the IVA company begging her not to send the info to my work incase I got into trouble.

[facingittogether]

o nicsy

its not your fault - dont worry i am sure no one thinks bad of you!

love barb x

[angela18]

I don't nicsy.. its nothing more than what i have been worrying over anyway!! you've nothing to be sorry about, unless you helped me get into this mess in first place[;)]

[SPENCER23]

Hi Spencer, how long did your approval take from start to finish? Kazzy x

HI Kazzy, sorry for the delay, mine took about 9(very long)weeks, but in the end it was well worth the wait, have you got a date for your creditors meeting yet?