Help......

GazHatesBanks

Ox1987 wrote: »

Gaz

has it affected the roles you could apply for
And how many times have you moved jobs ie have you just been lucky
That is good to know though

The only ones I don't apply for are for financial institutions such as banks or insurance companies. Also you would be unlikely to get a position in the legal sector. But TBH I wouldn't have applied for these before BR anyway!

I have only changed jobs the once, and I am on a self-employed basis (PI insurance was ok - done through a broker), but most companies do not ask (I did volunteer the information for the current role as I knew they would do some sort of credit search on me).

At the end of the day, I believe most potential employers would rather you be honest about the situation although only you can judge their possible reaction at the time.

Ox1987

Gaz

Have you had to go in on a lower level basis and could you have got the job on a PAYE basis

sort_me_own_yard_out have you struggled with the restricitons ie insurance etc

sort_me_own_yard_out

My car insurance is due in July and my contents in February. I dare say I will cross that inevitable bridge when it happens but I couldn't carry on as I was so will be a small hiccup in the grand scheme of things.

GazHatesBanks

Ox1987 wrote: »

Gaz

Have you had to go in on a lower level basis and could you have got the job on a PAYE basis

Still at the same level (Financial Controller/Finance Manager and no real desire to go higher). I could have taken the job on a PAYE basis but it suited me and the company to be employed through my own limited company (after discharge of course).

Ox1987

Another question Stepchange have advised me that I am too broke to go bankrupt as if they do a SOA when i have no work then my outgoings would no way be covered by JSA etc. That is obvious so would I be stuck with no money and not be able to go bankrupt it does not make sense
Told judge would not let us go bankrupt

Also what assets would they take we dont have any antiques the TV was a good one but now is two years old there is games consoles that the kids have and some I got fron an old job free that I gave my kids other than that its the wedding and engagemet rings I worry about that would kill the wife I saved for the first one for ages before I even had a cc we were engaged for 12 years then how comes shane filan kept his 38k ring

Also if I live at my parents and buy my own food can I pay her rent as part of BR SOA or do they even ask where the rent is for

Ox1987

Hmmm
After all the post wondering whether bankruptcy may give the kids their dad back
Any idea on above post

sort_me_own_yard_out

Ox1987 wrote: »

Hmmm
After all the post wondering whether bankruptcy may give the kids their dad back
Any idea on above post

without a shadow a doubt your kiddly winks will get their dad back and your wife her husband.

as for assests they dont raid your home.I really dont know anything about houses as I am in a privatly rented house but there are lots of folk here that can share their knowledge on that.

Nobody is going to take your wives rings over her fingers and childrens toys out of their bedrooms. please dont panic its not quite as daunting as you may think.

It is probably worth down loading the bankruptcy forms so you can see what is asked of you and you will hopefully get a little bit of reassurance that you wont need to get the serial number off the back of your tv!!

I am sorry I cant help in other aspects but I know for certain that i am a better mum this side of my debts.

Ox1987

Another question Stepchange have advised me that I am too broke to go bankrupt as if they do a SOA when i have no work then my outgoings would no way be covered by JSA etc. That is obvious so would I be stuck with no money and not be able to go bankrupt it does not make sense
Told judge would not let us go bankrupt

Also what assets would they take we dont have any antiques the TV was a good one but now is two years old there is games consoles that the kids have and some I got fron an old job free that I gave my kids other than that its the wedding and engagemet rings I worry about that would kill the wife I saved for the first one for ages before I even had a cc we were engaged for 12 years then how comes shane filan kept his 38k ring

Also if I live at my parents and buy my own food can I pay her rent as part of BR SOA or do they even ask where the rent is for

TDMum

but you have work for the next 12 months. IF your circumstances change after that then things will be worked out accordingly.

rossireps

assetts, my examiner said we dont have any interest what so ever in your tv. it is a nice one but at time of br it was,3years old. my laptop wasnt interested. my bike wasnt interested. they dont take everyday things. your rings i dont know about sorry