- Sun Feb 01, 2015 11:30 am
The BRO/U has to be in place before discharge, and normally they will they will offer a BRU at about the 10 months point. This was if you refuse it hey have time to get into court and get a BRO before discharge.
Thinking of any pay increase tied in with promotion, don't forget that the is gross, after tax it will be less anyway, plus cost of living increases (you obviously were below the IPA threshold for an income one in the first place). So with the difference in the minimums and cost of living that may actually take up most of the increase anyway, so again you may not have an income IPA. Seen that happen quite a few times.
Don't worry about a company goggling you on the IS database, that is closed off to search engines. All they can see is the part you enter someone name (just the empty boxes) so a name search will not reveal you! This is the same with a CRF, your details cannot be accessed by a search engine. However, your name and address details will have been entered into the London Gazette, and that is available to Google and the like, on slowly (after 7 years) it moves behind a sign in screen, where it is still legally available but cant be Googled).
So other than the London Gazette your bankruptcy cannot be found by search engine, but can be found if the person or organisation know which databases to search, and they can log in, to get that info in the first place.
The danger comes when another company picks up your details and chooses to put you details on their public facing databases. This used to happen a fair bit, but as these unethical organisations couldn't make money most (if not nearly all) have stopped it. Oh and they tended to all be overseas where you couldn't use the law to stop it!
But getting back on track, where employment is concerned normally the only financial check they do is via your Credit Files, and that cannot be done without you permission anyway. Even in the financial sector until you get to senior management they only check your CRFs, above that they go deeper, and then a bankruptcy 99 years ago would be found!