Hi guys I'm applying for a job and been asked if ever been in an iva I finished it in full 3 years ago and have built up a good credit score, I'm concerned if I answer yes I may loose out on said job, any advise much appreciated
I am afraid the answer is down to your own conscience and a bit of luck ! Assuming that the IVA started more than 6 years ago, it will not show on your credit records and, in theory, there is no way they would find out. Having said that, these things often have a habit of coming out of the woodwork somehow!
If you are honest and get the job, you can relax. If you lie and they already know, or find out in the future, you can kiss goodbye to the job. Or you can lie, get the job and they will never know ---- it is a guessing game!
What is the job and how have they actually worded the question ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Personally I'd always be absolutely honest and disclose it, otherwise you may feel like you will always be looking over your shoulder. Most decent employers will show some understanding on the subject and worst case scenario you could be looking at a sacking for gross misconduct.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.
Thanks for your advise on the matter , I have taken it on board and decided I will inform them that I had an IVA , it was worded in such a way that implied would be seen as dishonest if did not complie with full disclosure , thanks again all for getting back to me,
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk