Do I admit to a completed iva?

Get expert opinion. This is the place for new questions to be posted.
7 posts Page 1 of 1

shaun601

User avatar
Posts: 2
Joined: Mon Nov 25, 2019 6:46 am

Post by shaun601 » Mon Nov 25, 2019 6:46 am
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

Foggy

User avatar
Forum Expert
Posts: 29873
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Mon Nov 25, 2019 10:44 am
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

luluj

User avatar
Forum Expert
Posts: 10645
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom

Post by luluj » Tue Nov 26, 2019 6:40 pm
All hinges on the actual question ... type it in so we can advise ...
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"

Shaun Vickery

User avatar
Industry Expert
Posts: 858
Joined: Tue Feb 12, 2013 8:32 am
Location: United Kingdom

Post by Shaun Vickery » Thu Nov 28, 2019 3:41 pm
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.
Highly Commended at the British Mortgage Awards. For individual mortgage advice go to http://clients.theselectpartnership.co.uk/

shaun601

User avatar
Posts: 2
Joined: Mon Nov 25, 2019 6:46 am

Post by shaun601 » Thu Nov 28, 2019 3:53 pm
Hi Guys,
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,
kind regardsShaun.

kallis3

User avatar
Forum Expert
Posts: 75205
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Nov 28, 2019 3:54 pm
Let us know how things go.
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

Shaun Vickery

User avatar
Industry Expert
Posts: 858
Joined: Tue Feb 12, 2013 8:32 am
Location: United Kingdom

Post by Shaun Vickery » Thu Nov 28, 2019 3:55 pm
Best of luck, let us know how you get on.
Highly Commended at the British Mortgage Awards. For individual mortgage advice go to http://clients.theselectpartnership.co.uk/
7 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”