| T O P I C R E V I E W |
| frosie90 |
Posted - 13 July 2009 : 18:09:01
Hi I am regular poster on this site although today I am writing on behalf of my friend. She is in difficult position financially and BR is perhaps a route she may be intending to follow. Her concern however is that she is a Community Support Officer with the Police. She has been in this occupation for three years. Would BR affect her position in this job. Does anyone have experience of this?
Thanks in anticipation of your help with this. |
| 7 L A T E S T R E P L I E S (Newest First) |
| Melanie.n |
Posted - 13 July 2009 : 19:38:32
send me an email with your phone number and i will call you back
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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| frosie90 |
Posted - 13 July 2009 : 19:36:15
Melanie you are a true treasure and my friend has just dissolved with relief. Thank you so much. She would love to contact you direct. Do I get your number off this site and does she need to contact you in office hours? |
| Melanie.n |
Posted - 13 July 2009 : 18:45:36
Hi Frosie - any chance you could get your friend to give me a ring? I am not that confident she has been given the correct advice with regard to her options - non commital chat i just pride myself in trying to ensure everyone has access to free advice. Failing that she should look on iva.co.uk and look up an Insolvency Practitioner on the site read a couple of reviews and have a chat with a recommened IP - she has nothing to lose.
I am attached to a referral service for all serving police officers in England & Wales who are debt so she can be confident of the advice given
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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| debtinfo |
Posted - 13 July 2009 : 18:40:35
Hi, i am also not sure about CSO's. however with regard to police officers it is not strictly true that you cannot declare bankruptcy withe police. There is nothing in insolvency law about police officers going bankrupt. There is a statement in the police legislation that "if he/she fails to pay a lawfully owed debt that they MAY be dismissed" It is up to the chief officer of the force to decide on the dicaplinary action and this highly subjective to the circumstances of each case. I know of both officers that have been dismissed and some that have not. Your friend should have a chat with her commanding officer to see what their opinion would be |
| frosie90 |
Posted - 13 July 2009 : 18:40:05
Hiya, thanks for your speedy reply. My friend is with me at the moment. She will check her contract. Her problem is that she has considered IVA and DMP but she has been told that a secured loan with Welcome Finance could not be consolidated. If I can just give you a quick resume of her situation.
She owns a house £85K mortgage. House value approx £83K. Early redemption on mortgage unknown figure at this point. Secured loan £11K. Car on finance, owing £2400 remaining debt unsecured debt is £8300. She has been told that if she does DMP it will not include the secured aspects of her debt. She has also been refused an IVA because of the secured loan? She feels her last resort is BR but is obviously worried about her occupation. I know we will wait for experts on her occupation side of things but can you advise on the other? Thanks Getting out of Debt. |
| Melanie.n |
Posted - 13 July 2009 : 18:37:45
Bit of incorrect advice been given here i'm afraid - there is absolutely nothing to stop police officers from filing for bankruptcy - i personally assist quite a number each month!
Prior to 1986 it was not possible but since that date there has been no problem whatsoever (the worst thing that can happen is that you could be moved from say CID to uniform, or in some forces have a 'bar'placed on promotiion for a year or so, but you categorically do not lose your job if your are a serving police officer in fact some forces recommend their officers go bankrupt rather than apply for an IVA as they will be out of the worry of debt within 1 year as opposed to an IVA over 5 years.
As a PSCO there is nothing to stop you going down the bankruptcy route unless of course you are awaiting joining up as a regular officer - you cannot join the force as an undischarged bankrupt.
Sorry to come on board to correct info - but you need to have the correct advice as incorrect advice is no advice !
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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| gettingoutofdebt |
Posted - 13 July 2009 : 18:27:48
I am not 100% sure about Community Support Officers but I know you cannot declare BR with the Police. One of the experts may be able to confirm this but I would get her to check her contract carefully to see if there is a BR clause.
A lot members of the Police or Armed Forces will try for an IVA rather than BR as once they are BR they would lose their jobs. Is an IVA an option? |
