Advice please

Discussion in 'Finance & Pensions' started by caseyric, May 28, 2010.

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  1. caseyric

    caseyric New member

    Hello there, so im thinking about applying to royal navy. Im currently out of work and in some ebt (around 2500). I have defulted on my bank account and credit card and i am currently sorting out a DRO (debt relief order) to get my out this sticky situation, is this going to stop me from entering the navy?

    thanks in advance.
     
  2. Ninja_Stoker

    Ninja_Stoker War Hero Moderator

  3. caseyric

    caseyric New member

    a debt releif order freezes all debts for a year, or untill my circumstances change (ie a new career) and payment methods can be set up to fit around me. so aslong as i have afforable outgoingss it should be ok? im nealy 21 if that makes a difference.
     
  4. caseyric

    caseyric New member

    reading into that post. my outgoings each month are somthing along lines of 200 and i live with my parents so. fingers crossed gonna ring my local branch now.
     
  5. supermario

    supermario New member

    I managed to put a lad into the RN with a debt relief order. His outgoings were roughly the same as yours. Get along to your nearest office and get the process underway.

    SM

    :)
     
  6. soleil

    soleil War Hero

    Caseyric

    If you give them a buzz beforehand, they might be able to fit you in when they do their weekly Introductory Presentation. Contact details here:

    http://www.royalnavy.mod.uk/careers-offices/midlands/luton
     
  7. caseyric

    caseyric New member

    so i have an appointment at with citizens advice on monday to get my debt relief oder underway. really hope this dosent effect my chances in the RN. this is what i need to get my life back on the right path.
     
  8. soleil

    soleil War Hero

    Are they open on Monday, CaseyRic? It's a Bank Holiday.
     
  9. caseyric

    caseyric New member

    oh yeah great. i guess its tuesday then and ill leave luton till midweek. WIll i ahve to already have started my debt relief order before making my application or can it be sorted during the process. becasue i no the DRO isnt instant
     
  10. soleil

    soleil War Hero

    CaseyRic

    I would suggest ringing the Navy Careers Advisors in Luton when they open again on Tuesday morning, to ask them if they have a spare space for next week's Introductory Presentation. I'm suggesting ringing first thing on Tuesday, in case they hold them on Tuesdays.
     
  11. caseyric

    caseyric New member

    Ok ill do that first thing tuesday morning. im just getting really scared about the hole debt situation, seeing as it is my own stupid fault but im trying to better myself.

    I have had nothing but good feedback fom these forums, so im hoping that it ont stop me from doing what i have alwasy wanted to do.

    IF worst comes to worst im gonna get a job in mcdonalds to pay them off!
     
  12. tommo

    tommo War Hero

    With the long waiting list, you might as well find a job to pay the bills while you wait to join up. This way it will also look good on you also
     
  13. caseyric

    caseyric New member

    been job hunting for past few months with no luck.only have warehouse and waiting experience. i didnt want to do it but fast food is an easy option and tbh if it helps me with my career for the future i dont have a care in the world.
     
  14. soleil

    soleil War Hero

    I would suggest, CaseyRic, that, when you ring them on Tuesday morning, you also say that you need to have a word with them about your debt situation. That way, it's all upfront, right from the beginning.

    Actually, you do need to be aware that there is a waiting list of at least several months for practically every job in the Navy at the moment, as Tommo says, so it's worth finding something to keep you going jobwise, if you can, while you wait.
     
  15. caseyric

    caseyric New member

    I spoke to them yesterday and the man i spoke to said somthing about less that 6k debt so getting this DRO freezes them so i dont recieve any charges untill i can start paying them back.
     
  16. caseyric

    caseyric New member

    deffinatly dont plan on staying unemployed throughout the join process. id drive myself crazy.
     
  17. soleil

    soleil War Hero

  18. caseyric

    caseyric New member

    already looked into a few places, including that website. been out of work a few months now and its really taking its toll on everything.
     
  19. soleil

    soleil War Hero

    I'm sorry to hear that, CR.

    Chin up!
     

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