£100,000 Debt "club"

newleaf

Hi there Debtomaniak, I have just caught up with your thread and I'm pleased that you have a plan in mind now. Also just wanted to say you have a wonderful sense of humour, many of your posts have made me laugh out loud. That's a great gift, to be able to make people laugh even when you feel like eating worms. Keep your chin up!

elantan

hey maniak things are starting to feel alot more positive for you now ..keep up the great work and thanks for keeping us all posted ....

freebird65

Evening!

I should add with the selling yourself plan that what have you got to lose??? You pay ca £100 to give it a go and if it doesn't work or you don't feel good about it then it's not the end of the world....you can always go to an agent afterwards. It was £100 versus £5,700 in my case!

Agents are just middle men who once they've found you a buyer, ring up your solicitors and buyers on your behalf...nothing else. Since you're paying your solicitor, why shouldn't you do this yourself? I also thought I forged much stronger links with my buyers by communicating direct and avoided any potential misunderstandings. I admit it felt odd at first, but not so when I had all that extra money for myself!!! It paid the solicitor, stamp duty, moving costs and a sofa for my new place (and a bit extra). I'm also lucky in that I've been using the same fantastic solicitor for years and she encouraged me all the way - thought I was brilliant for doing it myself as she considered agents a bunch of cowboys. She isn't the cheapest, but is worth every penny of her £500-600 fee for effort and peace of mind.

Do a bit of online research to see who advertises in your area, stick an ad in the local paper, use word of mouth....yes, you have to put in a bit of effort, but think of the reward.

Go for it Debtomaniak....you know you want to!

Debtomaniak

newleaf wrote:

Hi there Debtomaniak, I have just caught up with your thread and I'm pleased that you have a plan in mind now. Also just wanted to say you have a wonderful sense of humour, many of your posts have made me laugh out loud. That's a great gift, to be able to make people laugh even when you feel like eating worms. Keep your chin up!

Thank you, you have just made me smile. If I make someone laugh, whilst winding about my problems, than it is not all too bad hey!:D

Debtomaniak

elantan wrote:

hey maniak things are starting to feel alot more positive for you now ..keep up the great work and thanks for keeping us all posted ....

Oh no. It is thanks to you all for taking time reading and replying to me. Do not know what I would have been doing without you lovely lot.:D

Debtomaniak

freebird65 wrote:

Evening!

Go for it Debtomaniak....you know you want to!

Ha-ha, you are so right there, I sure do want to. I would love to see our sales people faces :mad: , when I tell them I sold my house all by myself :j and just for a £100. Now, I must appologise to all estate agents sales guys right now (in case they read this), please do not get cross with me, I love you really. It is just that I love money a little bit too, especially when money is tight.

Debtomaniak

Hi people,
If someone has time, could you please have a look at this:
SUMMARY
An experienced I.T. Banking Project Manager / Wholesale Banking Implementation Consultant / Business Analyst / Client Relationship Manager & Treasury Operations Manager specialising in International Banking. The role covers most facets of general banking, including FX, MM, FRA’s, IRS’s, Options, Futures, CD Settlements / Cash Management, Market Risk, International & Domestic Payment Orders, Customer Static Data, Commercial Lending, General Accounting, SWIFT, System / User Acceptance Testing, Customer Services and User Evaluation regarding system development. All of these functions have involved both internal and external customer contacts.


SOFTWARE Alternanos General Bank, Irkutsk, Siberia Project Implementation

PROJECT Alterdelmi General Bank & Trust, Budapest Project Implementation
ASSIGNMENTS
Bank BPH, Krakow Project Implementation
Bank Pekao, Warsaw Project Implementation
Bank Ukraina, Kiev Project Manager
Ceskoslovenska Obchodni Banka, Praha Project Manager
Commercial Bank of Kuwait, Kuwait Project Implementation
First Bank & Trust, Athens Project Manager
First Commercial Bank, Frankfurt Project Manager
Industrial & Commercial Bk of China, Beijing Project Manager
Kereskedelmi Bank, Budapest Project Manager
Komercni Banka, Praha Project Manager
Leumi-Hitel Bank, Budapest Project Consultancy
Magyar Kereskedelmi Bank, Budapest Project Implementation
Nat’l Bank of Irkutsk, Irkutsk, Siberia Project Implementation
Nat’l Bank of Uzbekistan, Tashkent Project Implementation
Stolochnibanka, Moscow Project Implementation
Zoloto Bank, Chita, Siberia Project Manager


SYSTEMS: IBS-90, Abraxsys, Midas, Kapiti Equation 3, XTAS, SWIFT, Reuters, Relational Data Warehouse, Crystal Reporting, ACS, FX Netting, Microsoft Word, Excel & Project, Word Perfect, Lotus 123 & SAGE Payroll.


EDUCATION GCSE Level:
Maths; English Language & Literature; History; Geography; Science; Biology; Religious Knowledge.

MAR 06 – Present RABOBANK INT’L
Conversion Project / Business Analyst (Contractual) UTRECHT

· Assisting the project manager with reporting requirements in order to integrate the Devon Swap ledger into the bank’s main core PeopleSoft general ledger.
· Migration of data “financial; configuration; users and reporting changes” from the main PeopleSoft general ledger into the Financial Data Warehouse.
· Dealing with cases raised by specific user departments / resolving project-wide functional issues. Liasing with representatives, summarising concerns, documenting current operational processes and making recommendations.

AUG 05 – MAR 06 ACTIMAX TELECOM PLC
Project Analyst/Consultant (Contractual)

· Responsible for the quality assurance of specific enhancements produced by team members against the client's business needs and departmental priorities.
· Reviewing the overall specification of deliverables, provision of estimates, plans and progress reporting.
· Engaging proactive and reactive business development activities transforming client business requirements into consulting solutions.
· Assuring high levels of client satisfaction leading to repeat business.
· Contributing to the development and dissemination of consulting guidelines.

MAY 2003 – JUL 2005 RESTAURANTEUR

· Owner of a Bistro restaurant providing International Cuisine up to 40 covers.
· Responsible for 15 staff, recruitment and appraisals.
· Duties also include looking after the company accounts, payroll, stock control & ordering.
· Dealing with unforeseen circumstances.

MAR 1998 – JAN 2003 COR INTELLIGENT BANKING SOLUTIONS
Software Property Rights Acquired from:
ADVANCED BANKING SOLUTIONS, London

Project Manager / Business Analyst & Consultant / Client Relationship Manager

· Project Management responsibility for new Implementations & Customer Upgrades.
· Responsible for large to medium sized projects ranging from £150k to £1.5m.
· Control of project resources over a period of 3-6 months with a team of 5, or up to 1 year with a team 20+.
· Preparation of project plans prior to the commencement of implementations & system upgrades.
· Ensuring delivery of products, systems and services occurs within acceptable timescale and cost and to an acceptable standard of quality.
· Ensure the project is within the terms of reference or contract and meets the client's business requirements.
· Handing over the completed project to the receiving authority in a satisfactory manner.
· Controlled budgets and project resources.
· Working with the business areas to develop process and control flows, establishing appropriate risk metrics and reporting, performing control reviews and presenting to senior management.
· Producing project impact and managing progress reports, critically examining existing processes, and suggesting improvements to efficiency and risk mitigation processes.
· Ensuring that all new products and processes are subject to risk review and approval.
· Customer communication and identification of pre and post issues during each project implementation.
· Business Analysis & Evaluation of Internal Processing Systems.
· Identify and seek to improve areas of business or financial risk. “Preparation, Consolidation & Delivery”.
· Documentation of business processes and workflows.
· Reviewing Data Mapping and Data Conversion issues.
· Compliance assignments, consisting of loading specific Static Data. Liasing with customers with respect to planning, data cleaning and specific system enhancements.
· Creation and Maintenance of Test Scripts.
· Performing Simulation, Sample, Stress and Volume Testing.
· Monitoring Test Discrepancies, Reconciling User Acceptance Tests, Tracking and Documenting Issues.
· Working within a Banking Consultancy team responsible for validating new programs and upgrades, ensuring that the environment is fully tested before software is delivered to a specific customer.
· Documentation of procedures and customer specifications.
· Client Relationship Manager role looking after customers based in Europe, Russia, South East Asia & Middle East.
· Regular liaison with customer's in order to address concerns or issues.
· Ensuring customer's are kept informed of new software enhancements / company developments.
· Provide input to the IT Analysis / Development team
· Quarterly site visits.
· Monitoring & chasing outstanding invoices.


JUL 1991 – MAR 1998 IDOM CONSULTANTS SA,
GENEVA
Project Manager / Business Analyst & Consultant

· Responsible for the implementation and delivery of projects and business initiatives from a technical and business environment.
· Responsible for large to medium sized projects ranging from £250k to £2m.
· Control of project resources over a period of 3-6 months with a team of 3, or up to 1 year with a team 15+.
· Preparation and implementing clear and precise project plans and time frames.
· Scheduling all business and systems resources, identifying and resolving issues, co-ordinating testing and project status reporting and final sign off.
· Leading a team to ensure the successful delivery of agreed scope on schedule and within budget
· Handing over the completed project to the receiving authority in a satisfactory manner.
· Experience of building and managing internal and external relationships.
· Performing a vital role within a high calibre project team responsible for the Business Analyst of the Bank prior to the implementation of banking systems.
· Business analysis and subsequent project delivery including: requirements gathering and scope setting.
· Documentation of current and proposed user department procedures.
· Ensuring appropriate controls are in place form the outset of the project.
· Analysis of the finance process flow in order to streamline it or determine the effect of changes made to it.
· Ensure that timely calculation & reporting of all trading credit exposure vs credit limits to ensure ongoing evaluation and control of credit risk
· Identifying and testing operational risk from front to back office.
· Validation of software and modification releases.
· Preparation of Test Scripts and User Acceptance Test data to check the integrity of the banking system prior to implementation.
· Training users in the functionality of the banking system and banking in general.
· Preparing user-training schedules with a high emphasis placed on meeting targets and deadlines.
· Responsible for defining the relationship between legacy data source and target data system analysis concerning Data Migration Implementation.
· Prepared data mapping and data transformation rules.
· Reviewed the validity of antiquated and dormant customer data.


1976 – MAR 1991 EUROPEAN BANKING CO
LONDON (Name changed to
EBC AMRO BANK in 1987)
Senior Manager, Treasury Settlements (1983 – 1991)

· Controlled Back Office Treasury Operations and ensured efficient processing of Foreign Exchange, Money Market and Off Balance Sheet products including Inter-Bank Netting.
· Liased and dealt with market dealers and ensured smooth operations.
· Managed 1500 transactions with a turnover of $US 7 billion per day with 15 staff.
· Prepared specifications and introduced new systems with successful implementation and met target requirements.
· Improved efficiency with staff reduction of 15 from 30 over a period of 18 months.
· Recruited staff and organised in-house training.
· Dealt with Correspondent Banks and negotiated terms at general management level.
· Overcame reconciliation problems.

Assistant Manager, Treasury Operations (1979 – 1983)

· Supervision of 30 staff and dealing with all aspects of settlement procedures, staff training and development.

Bank Official, Treasury Operations (1976 – 1979)

· Carried out all general duties of the settlements area.

1973 – 1976 DRESDNER BANK AG
Bank Official, Treasury Operations LONDON

· Carried out all general duties, confirmation checking, invoicing and monitoring brokerage expenditure.
· Registered Foreign Exchange and Money Market deals.
· Confirmed settlement instructions and maintained files.
that is my hubby's CV, why can he not get himself a job?????? He has been trying for nearly a year now and apart from an odd job here and there, he can't get in anywhere!!!!!

lswwong

Wow!! That's some CV! My ex did very similar things.

Below just came to my head on first reading:
1. My OH's CV contains an "achievement" line under each job he did e.g. raised the value of the order book by X%. This has been helpful in attracting prospective employers' attention.

2. Which banking IT agencies is he registered with?

3. Sometimes it's just luck that stops the right job from turning up. Then it turns up the next day!

4. Has he got contacts at banks in the City who could check their firms' intranet boards for him?

Emmzi

Hi there - the cv is designed to get interviews, not jobs... is he getting interviews? If he is, cv is ok and you need to look at interview skills coaching.

Let me know before I do you a breakdown on the cv (that takes me an hour or so!!)

gerretl

Hello
Heres my ha'pennys worth.
the bit that sticks out a mile is the restauranteur bit. Am I right in guessing that he thought quit the rat race, run a restaurant, and be my own boss? Thats not a critisism, but that business is one of the riskiest, most aggresive hardest work, longest hours, deal-with- more- bureaucracy- than- you- can- shake- a- stick- at, games going.
I am going to make an assumption that he is in his late forties/ fifties, and feels that no one will employ him. Jobs aren't just about the money, they are as much about feeling worthwhile.
The restaurant bit could be the key to get the foot in the door. He obviously knows how big systems work, but the time in the catering trade shows he knows how important it is to get the small bits right. Looking for work as a small business advisor in a local bank may seem a comedown, but he has two great assets, a knowledge of the banking industry, and how to actually generate cash from customers face to face.
Don't look at the restaurant time as an abberation, and he wished he hadn't done it. At least it shows he had the guts to get out of the comfort zone, and take a risk.
I have to go to work now, but I will try and come back to this if I can think of anything else.