Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Hi All

    Can anyone help me please?

    My employer (a large electronics corporation) have told all the staff that they are going to CRB and Credit Check on everyone to evaluate the potential risk of fraud.

    I have no criminal record but my credit file is a complete mess and will show a lot of debt.

    I have worked there 12 years.

    I dont handle money in my job I work in a call centre taking sales orders etc.

    Will I get sackedicon on the spot?

    Any advice greatly appreciated

    Honeyot

    xxxx


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    can a mod plz move this thread to the correct location plz.
    employment problems!.


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Not sure this is the correct advice, but they - your employers - would need to have written consent to carry out credit check. Have a look at your Contract of Employment and see if this is covered at all. If not, I am sure they would need to vary everyones' Contract to cover this. I am sure you will not be the only person to be worried by this.

    Hopefully others will be along with more help.

    Every journey begins with a single step

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    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Thanks Harrased Senior

    Yes, we have all had to sign a consent form to the checks so its all been done above aboard.
    I guess I'm looking for advice on how to respond should they say " youve got loads of debt therefore you are a risk to the company therefore your fired"

    xxx


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Having a bad credit record does not make you a risk – the days of debtors’ prisons are long gone. Do you have a union or trade body you can talk to?

    In financial services, a credit check is often a part of the selection process and candidates have to agree to it first.

    If your employer is going to say you are a risk because you have a poor credit record, they will be on extremely dodgy ground if they use that information to alter your working conditions in any way, or if they try to dispense with your services.

    Does your job involve the handling of cash, the awarding of contracts or purchasing?

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    There is of course the reverse way of looking at a bad credit record (or so I tell myself) if I was a crook or dishonest in any way, would I really be in such debt

    Every journey begins with a single step

    Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

    If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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    Basic Account Holder Honeypot Novitiate

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Hi Donkey B

    i work in a call centre processing telephone orders for the electrical component industry. I dont handle cash or award contracts or anything like that. the closest I come to money would be if a customer phoned up and placed an order with a credit card rather than account.

    I think the company are saying that if you are in debt then you are more likey to try commit a fraud to the company. Thats why they have decided to credit and CRB everyone


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Well, that is nonsense and would be a slander. People have problems with credit often through no fault of their own. To imply this makes them unreliable or dishonest is plain wrong. Has nobody stood up to them? It’s a pretty gross invasion of your privacy, because I can’t see how police and credit checks can be used on such a sweeping basis. Maybe you should tip off the press...

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Also, I would suggest you get this thread moved to the employment forum. I can only speak as an employer, but there are people on there who specialise and may prove me wholly wrong.

    http://www.consumeractiongroup.co.uk...yment-Problems

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    How do you move a thread to another forum?


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Tip off your local Trading Standards as well, give the company a real headache. This sort of behaviour is not on and if they did sack you after 12 years service you would have a lovely claim for unfair dismissalicon amongst other things.


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Click on the little black triangle and leave a message asking a moderator to move your thread to the employment forum.

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Quote Originally Posted by Honeypot View Post
    Hi Donkey B

    I think the company are saying that if you are in debt then you are more likey to try commit a fraud to the company. Thats why they have decided to credit and CRB everyone
    I wouldn't say so. It seems to me, from your original post, that they're doing a credit check in regards to money laundering and fraud. If they were doing just a credit check then I would be concerned, but as they're doing a CRB too I'd say they're covering their arses for their insurers.

    Also, have there been any changes in the last 90 days, such as a new MD/Sales Director or a different company take over?

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Postjgg is doing a degree on employment law maybe worth pming him to look in.

    This company can not sack you for being in debt - nor can they take disciplinary action - if they do you must use their apeal process - if you ended up taking this to tribunal - you would wipe the floor with them. Big payout.

    A lot of employers now do credit checks because the CRA's have convinced them that people in debt are risks to the business.

    My anwser to this has always been if they are dishonest they will rip you off regardless of the credit status.

    I worked in retail for over 20 years and can tell you that the majority of staff we caught stealing - or defrauding the company never had poor credit histories.

    There are very few offences that would stay on a crb check for 6 yearsicon - so unless you have been to prison or had a suspended sentence then a default on your credit file is considered worse.

    This is realy begining to grate with me - i applied for a job at the RAC - no cash handling - nor order taking - just directing recovery vehicles to breakdowns - and had to have a credit check - told them they must be joking and to eff off.

    Housing is also going this way - Rent a house - credit Check
    New Job - Credit Check
    Benefit Claim - Credit checks

    So what they are saying now is if you have bad debts - you MUST pay them off even if you cant afford them due to your circumsatnces - or you get

    No House
    No Job
    Benefits Cut.

    Being in debt is now being worse than a criminal - now thats what i call debt slavery. No freedom work for the creditors (Mainly the banks)

    Just remove the word debt. and you are now nearer the mark

    OOOH it makes me so angry.

    The Banks lend you Credit that is created out of nothing - FACT.

    Only 3% of the Money in the Uk is in the form of notes and coins - the rest is created by banks as debts - numbers on computers - nothing more.

    Money should be our servant - not our master - Its Time to reform the Banking system

    For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here


    Further Reading and articles on our debt based economy found here

    http://prosperityuk.com/

    The campaign for this reform is backed by a group of economists, lawyers, engineers, former civil servants, university academics and business people as well as the public.
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  15. #15
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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    DoH - I had one of those days yesterday, long story, not for this forum otherwise would let you all in - lets just say imagine a 64 year old senior citizen, disabled, 2 hearing aids, and a walking frame being escorted from an o2 shop

    Every journey begins with a single step

    Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

    If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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  16. #16
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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    I have witnessed someone working in financial services having their temporary contract terminated because of a CCJ showing up on a credit record. But this would not have happened if it were just defaults.


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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Quote Originally Posted by harrassed senior View Post
    DoH - I had one of those days yesterday, long story, not for this forum otherwise would let you all in - lets just say imagine a 64 year old senior citizen, disabled, 2 hearing aids, and a walking frame being escorted from an o2 shop
    That's finished my day at work with a bliddy great smile h s

    Hope all's well

    R

    I asked them to wait whilst I got my Bank card
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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    I would be very supprised it they would even be allowed do a CRB check, CRB checks are only for people who work with vulnerable adults or children. Other than that most aatempts to look into any iffy past are covered by the rehabilitation of offenders act. I moved into a new estate where there where loads of kids and the housing association where not allowed to run a check. AFAIK you cannot sign any rights under the rehabilitation of offenders away. As to the other forcing you to sign to give permision to access your credit file would give you leave to sue for contructive dismisal.


  19. #19
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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    Interesting topic, I know a chap who was asked to sign a consent form for a credit check after a few years employment and he politely refused due to the fact that he had a number of disputes and felt that the information would be incorrect anyway. There were no repercussions on him.

    PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

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    Default Re: My Employer Wants To Do A Credit Check-Can I Get Sacked?

    They can do standard CRB checks which will give information on unspent convictions - these should be done prior to employment starting or during the probation period.

    Those for people in education/health/care etc are the enhanced versions that can hold details from when you have not been charged and convictions that may have been spent under normal circumstances.

    Dont forget also that the period for convictions to become spent is generaly a lot less than the informaion held on CRA files.

    The reason being to give the opportunity for the individual to be to prove their rehabilitation.

    It now makes more sense to steal the money from an employer and to pay your debts - than have the debt. because the period the issue will be held on file is less for the criminal act

    Madness.

    The Banks lend you Credit that is created out of nothing - FACT.

    Only 3% of the Money in the Uk is in the form of notes and coins - the rest is created by banks as debts - numbers on computers - nothing more.

    Money should be our servant - not our master - Its Time to reform the Banking system

    For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here


    Further Reading and articles on our debt based economy found here

    http://prosperityuk.com/

    The campaign for this reform is backed by a group of economists, lawyers, engineers, former civil servants, university academics and business people as well as the public.
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