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Lauren1995

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Post by Lauren1995 » Sun Dec 06, 2020 12:02 pm
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

kallis3

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Post by kallis3 » Sun Dec 06, 2020 12:06 pm
You do need to speak to CF - will it impact on your IVA payments? Will they need to do a credit check?
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

Lauren1995

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Post by Lauren1995 » Sun Dec 06, 2020 1:08 pm
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?

Foggy

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Post by Foggy » Sun Dec 06, 2020 1:34 pm
It will hinge on whether CF agree to the arrangement, then on whether WtW will accept you.

Let us know how you get on.
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

Lauren1995

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Post by Lauren1995 » Sun Dec 06, 2020 1:36 pm
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!!

Foggy

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Post by Foggy » Sun Dec 06, 2020 2:17 pm
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.
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

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Post by luluj » Mon Dec 07, 2020 3:30 am
Agree with foggy ... call WtW and talk to them. Be honest about your iva and see what they say ....you may be surprised!
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"

Lauren1995

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Post by Lauren1995 » Mon Dec 07, 2020 1:04 pm
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”

kallis3

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Post by kallis3 » Mon Dec 07, 2020 1:06 pm
Sounds promising.
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

Foggy

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Post by Foggy » Mon Dec 07, 2020 1:16 pm
Ooooh ... looking good !
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

Lauren1995

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Post by Lauren1995 » Mon Dec 07, 2020 3:47 pm
Yes :) Now what do I do just contact credit fix cos wtw won’t be bothered?

kallis3

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Post by kallis3 » Mon Dec 07, 2020 5:05 pm
Yes, speak to them and see what they say.
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

Lauren1995

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Joined: Sun Jul 07, 2019 7:42 pm

Post by Lauren1995 » Mon Dec 07, 2020 5:33 pm
Like what would I say and how would I word it? Cos I’m awful with talking to people

Foggy

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Post by Foggy » Mon Dec 07, 2020 6:51 pm
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) .
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

kallis3

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Post by kallis3 » Mon Dec 07, 2020 6:54 pm
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.
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
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