Urgent Help Needed

Queen

well you are doing a grand job keep it up:beer:

Rylynn

Goodness this sounds so complicated? well done BAAB on the replies nice to know someone can help Queen as I know nothing about properties in BR.

Hope you get this sorted out Queen.

Queen

I know nothing is ever straight forward for us but thanks to all you guys its making the process abit easier.

Queen

Hi just want to check one thing as we have decided 99% to go BR I have worked for a mortgage advisor for the last 14 yrs I have discussed with both of my boss's about going BR they have not point said that this will affect my job, I work as admin so don't advise just deal with the paperwork and give factual information, will this affect my job

Queen

just had a lady from clearstart advice me not to BR but I have enough surplus for an IVA as this is the best option I explained that other advisors have said that £25 suplus and BR the only option what does anyone else think

blind-as-a-bat_2

their address is the same one as Eversheds LLp and they are a debt collection agency...So I would be careful

Clearstart would appear to be part of Debt Free Direct who do charge for their services

If either of those two quotes are true that i found elswhere, i would not touch them with a bargpole

Debt Free Direct are well known for misseling IVA,s

dalip

What/who exactly is clearstart?. If its an IVA company then there is your answer. I tried to do an IVA first with DFD,then changed to another "IVA selling company". It took them 6 wks to realise you can no longer do joint IVA's,that OH did not have enough debt to do one,and that i did not have enough income to do one.So bc it was.Hated every min of it,dont mind telling you but now i am discharged and 10 months down the line it was the best thing i ever did. Not only did it release me from my debts it also released from a job i hated,changed my whole outlook on material possesions,made me a strong stress free person. None of us queenie can tell you what to do we only can only tell it how it was for us. We can only empower you with the knowledge to make a constructive choice.Dx

Queen

Tried to tell lady I was not interested as I had made my mind up to BR but someone asked me if going BR would affect my job, my boss did not say when getting his advice that my job would be affected, I won't be touching clearstart with a barge pole
:rotfl:

deedee_3

Have a look at your contract and see if there is anything about bankruptcy in it.

But with the type of job you are doing and not handling clients monies I think that you should be fine. It is generally jobs regulated by the FSA that are affected the most.

Queen

We don't have such a thing as a contract or even a statement of employment, he decides on if a good day or bad day the terms even down to pay, if his in a good mood we might get paid on the 25th which is payday, if his not then we might get it on the 26 or 27 same as holiday one day we have 2 give 2 weeks notice for time off another day it may be 4 weeks notice, same as sick pay worked there for 6/7 yrs with sick pay one day he decided that he wasn't going to pay sick pay just to give a slight idea what they are like