www.iva.co.uk

Hello,

My husband and I are civil servants, we have 21k of debt and are wondering if we can enter into an IVA because of who we work for.

If we do enter into an IVA, do we have to tell anybody at work. (we dont want to tell anyone)

Any advice would be appreciated.

x

Hi - without knowing what you do it is impossible to say whether an iva would affect your work. Speaking to a professional or two will get all your questions answered and there is a list of recommendations at www.iva.com along with client reviews. Being in the civil service per se doesn't prevent you from proposing an iva. Good luck xx

Hi and welcome to the forum.

Is there anything in your contract of employment or on your intranet which could help? Otherwise a quick anonymous phone call to HR might give you the answer.

Visit the link that BOL posted for some free and impartial advice.

Hi. I have been in various branches of public service most of my working life ( glutton for punishment) currently in the civil service. My lot don't know about the IVA, nor do I intend to tell them. You will find many civil servants and other public servants in IVA's, many of them on here. Unless you need security clearance, in which case it's best to be upfront, or are a professionally qualified specialist whose membership of the relevant professional organisation precludes IVA's there should be no problem.

I suppose it will depend upon the specific job. I work for the police and they know nothing about it - I have a feeling that I should have told them but after three years I don't think they're likely to find out now!

Hi Michelle - I'm a civil servant just about to enter an IVA - you don't have to tell them. Just if you go BR.
xx

Hi Michelle

Im a civil servant in MOJ Department. I was advised to tell my office manager to be put on my personnel file (the one held at the office). Been in one over four years now and the only people that know at work are the ones i want to know. Hope this helps.


JQ

The Civil Service is quite sympathetic to employees in financial difficulty these days, but if there is nothing in your contract which stipulates that you have to disclose the IVA then I would stay silent. It really should be none of your employer's business as to what you are doing with your creditors, and I even think it is bad to have to declare a bankruptcy to be frank. Why should the Civil Service be any different to any private sector firm when it comes to something personal like this?

Hello,

Thanks for all your replies and kind messages.

I'll check OH's and my contract this week, but as lots of you have posted, I dont think we have to tell our employer.

I feel so much better knowing that there are other civil servants in the same boat as us!

xx

Probably loads of us - gone are the days of pay rises and overtime! I think you only need to tell them if you go BR so they can check you're job does not involve finance, it's not a reason for disciplinary

I work for DWP and did not have to formally inform them of the our IVA however I voluntarily informed my direct manager as I was going through a rough time at the beginning and needed support......only if i went bankrupt did I have to tell them formally and then it was only to make sure I did not work in any financial area !!

Ah Lulu - poor you - I am at DWP too. Although for how much longer I don't know. Boss man has turned from sympathetic to my health probs to a bullying harrasser!! Not my fault that OHS won't let me back yet. Think it's a way of getting staff numbers down!!
Glad that you confirmed my understanding of the rules - they are clear as mud sometimes!

Kazza -- I think a lot of support we used to "enjoy" in all areas of work has been withdrawn as an exercise to encourage some to walk -- it's cheaper than paying them off! Oh, cynical me!!!

There was a time when experience and good work counted for something, but, too many times of late do I hear "If you don't like it, you know where the door is" (fortunately it hasn't been said to me yet .. I react badly to such utterances!).

You are so right Foggy. I just want out after 27 years but won't walk without some money!

Would love to get out ... was looking at retirement in 2017, but if the government get their way I will be stuck until 2023 !!!!