u/savvytechman

Hi everyone,

I ended up with some bad debt and ended up getting an Iva without knowing the full complications.

I’m currently coming under to end of year 3/5

So only have 2 years left but they stay on record so an extra year

I’m a male 32 and I feel hopeless in a sense it’s like a hidden shame

I can’t get a loan can’t get a credit card can’t even get a phone contract bank accounts reject me for accounts

Obvs can’t get a mortgage either

But is there someone here who’s been through the other side and thriving?

By the time I get to age 35 I’m gonna be completely debt free and good credit rating and a new chance at life.

The thing is you can’t even pay an Iva early because it doesn’t matter it’s still on your record for 6 years no matter what.

Thanks in advance

Hi everyone,

I ended up with some bad debt and ended up getting an Iva without knowing the full complications.

I’m currently coming under to end of year 3/5

So only have 2 years left but they stay on record so an extra year

I’m a male 32 and I feel hopeless in a sense it’s like a hidden shame

I can’t get a loan can’t get a credit card can’t even get a phone contract bank accounts reject me for accounts

Obvs can’t get a mortgage either

But is there someone here who’s been through the other side and thriving?

By the time I get to age 35 I’m gonna be completely debt free and good credit rating and a new chance at life.

The thing is you can’t even pay an Iva early because it doesn’t matter it’s still on your record for 6 years no matter what.

Thanks in advance

Anyone else noticed they deleted all the profiles of everybody! I had about 16 years of images on there! So annoying!

Hiya! Have an assesment centre next week.

People say it’s slow recruitment.

But realistically

Medical if I pass assesment

Then waiting on Cohort

What time frame could I expect from here?

Say assesment centre 21st may

M32 and ever since being a teenager I’ve never really had something set in stone for my life.

I’ve been in the military travelled the world end up
Changing jobs all the time.

If you have a purpose how did you find it and at what age?

Seen stories of late 40s early 50s people realise then

Currently I have a pre workout for gym 5am 200mg caffeine then drink maybe 5 coffees on top! Sometimes a sugar free energy drink how do I score on the caffeine scale 😂