IVA with betting history?

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scott135
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by scott135 » Thu Sep 28, 2017 11:54 am
Can i get a Iva with betting history on my bank history
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kallis3
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by kallis3 » Thu Sep 28, 2017 12:03 pm
Hi,

Depends on when your latest betting was and whether or not you have taken steps to stop it if it is a problem.
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size5
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by size5 » Thu Sep 28, 2017 12:10 pm
Hi,

This is now becoming a much more common problem than it once was, mainly, I suspect, down to very heavy and cleverly targeted advertising campaigns on TV. If it were down to me, I would ban TV advertising for any gambling sites. Anyway, creditors will want to be assured that you have self excluded from the sites, and will generally require at least one month "clean" bank statement, with no gambling at all. It is not essential to seek professional help, but may be viewed more favourably if that is done.

Regards.
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Foggy
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by Foggy » Thu Sep 28, 2017 12:12 pm
The degree and frequency will need to be taken into consideration .. and, frankly, whether gambling contributed to the debt and whether it is / will be a problem. The odd flutter on the lottery or at the bookies wouldn't be a problem, but daily visits to an online casino might be ... but can be dealt with.
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scott135
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by scott135 » Thu Sep 28, 2017 12:29 pm
kallis3 wrote:
Hi,

Depends on when your latest betting was and whether or not you have taken steps to stop it if it is a problem.

It's pretty resent
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kallis3
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by kallis3 » Thu Sep 28, 2017 12:55 pm
Have you stopped gambling?
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scott135
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by scott135 » Thu Sep 28, 2017 1:12 pm
kallis3 wrote:
Have you stopped gambling?

As of today I'm deleting my account
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Foggy
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by Foggy » Thu Sep 28, 2017 1:16 pm
scott135 wrote:
kallis3 wrote:
Have you stopped gambling?

As of today I'm deleting my account



You might have to demonstrate a few months gambling free, it the frequency and problem was too much ... but you can start the ball rolling and set to research, choosing a company and getting the paperwork together, which will speed things up when ready to go.
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scott135
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by scott135 » Thu Sep 28, 2017 1:18 pm
Foggy wrote:
scott135 wrote:
kallis3 wrote:
Have you stopped gambling?

As of today I'm deleting my account



You might have to demonstrate a few months gambling free, it the frequency and problem was too much ... but you can start the ball rolling and set to research, choosing a company and getting the paperwork together, which will speed things up when ready to go.

Thanks any recommendations of which company to use ??
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kallis3
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by kallis3 » Thu Sep 28, 2017 2:12 pm
We are not allowed to recommend any companies but, if you look around on here, there are several who post and who you could contact.
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Foggy
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by Foggy » Thu Sep 28, 2017 2:56 pm
As Kallis says, as Experts, we have to remain impartial but hopefully a few members will respond with their recommendations. I would say, though, go to a few firms, to see who you feel happy with. I would suggest a smaller / medium firm, who will look at you as an individual, rather than an "IVA factory".
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Michael Peoples
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by Michael Peoples » Thu Sep 28, 2017 4:31 pm
It does depend on which creditors you have as there are differing criteria. However if your IP is satisfied that you have stopped gambling and is recommending this to creditors then an IVA may be acceptable. Some creditors ask for your bank statements to be monitored for three months whereas others are happy to take our word that your bank statements show no gambling now so an IVA is viable. Ultimately if you want to gamble there is no way of stopping you as the High St is full of bookmakers, casinos, slot machines etc so we have to give you a certain amount of trust and believe that you can do this.
Pigger479
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by Pigger479 » Sun Oct 08, 2017 8:48 am
Hi I used Vincent bond for my iva and they were fantastic . The chap I spoke to was keith white.
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