Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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.

£19.99 + £1.50 (P&P)


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  1. #21
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Credit score reduction

    so what?

    dx

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  2. #22
    Basic Account Holder Jim Davis Novitiate



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    Default Re: Credit score reduction

    Hi Andy.

    Thanks for your reply.

    Do you think you would have to divulge personal financial information such as CCJ's if you applied
    for a job as a Project Manager within the MOD?
    Project managers within the MOD are in charge of enormous budgets running into millions of pounds.


  3. #23
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    Default Re: Credit score reduction

    yes
    but only if they showed on your credit file.

    dx

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  4. #24
    Site Team The Consumer Action Group Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch's Avatar



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    Default Re: Credit score reduction

    All CCJs are recorded on the CCJ Register at Trust Online which you (others) have to pay a fee to use.....so yes you can be searched by a potential employer subject to a specific type of employment....but that depends on them having all your details to enable a check ..possibly previous address in some cases.

    They cant access your CRAs

    I dont personally know what the criteria search for the MOD is but would assume its more likely to be a criminal check rather than a financial check.

    Useful links and information

    https://trustonline.org.uk/

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    Andy

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  5. #25
    Basic Account Holder Jim Davis Novitiate



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    Default Re: Credit score reduction

    Hi Andy,

    Thanks for your post.

    I think you are right that the MOD would only be interested in criminal convictions based upon dishonesty
    rather than county courticon action for financial debt.


  6. #26
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    Default Re: Credit score reduction

    Last time I was subject to QRs I could have been penalised for not paying my Mess bill on time. (An outstanding financial debt may be seen as a potential basisblackmail.)
    I do not know the MoD T&Cs for a Civilian employee.


  7. #27
    Gold Account Holder BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative



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    Default Re: Credit score reduction

    Quote Originally Posted by Jim Davis View Post
    Hi Andy.

    Thanks for your reply.

    Do you think you would have to divulge personal financial information such as CCJ's if you applied
    for a job as a Project Manager within the MOD?
    Project managers within the MOD are in charge of enormous budgets running into millions of pounds.
    Yes, they would need to divulge it.

    There are 2 main factors;
    a) is this person a financial risk?. Having a CCJ might indicate 'poor financial planning', but it would also depend when / why / for how much
    b) is this person a security risk?. Not divulging it might mean that the person 'wants to hide it', and might be susceptible to blackmail / pressure over that, or anything else they had 'hidden'..

    A 'poor credit score' in the absence of a CCJ? They won't be bothered. They might ask about it, but could be reassured by the reply "well, yes, I was surprised when I saw that, as I don't have any defaults / CCJ's.
    I put it down to not having any loans / credit card / debts, but since I'm not planning on taking out any credit I'm not bothered by it!", answering both the questions "are they financially vulnerable?" and "are they susceptible to blackmail?".


  8. #28
    Basic Account Holder Jim Davis Novitiate



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    Default Re: Credit score reduction

    Sorry Bazzas but you are completely wrong based upon my own experience with the MOD 20 years ago.

    When I applied for a project manager position I didnt know I had a CCJ due to never receiving and court paperwork
    before or after the CCJ was issued.

    I was offered the position despite this so CCJ's have nothing to do with it.

    The MOD didn't consider me to be financially vulnerable or suseptible to blackmail.

    Neither did they consider me dishonest for not revealing a CCJ even though I never knew I had one at the time.

    When I applied for another job, the MOD bosses asked me to stay due to my excellent work.

    I left for a better paid job within the Civil Service and got that despite having an unsatisfied CCJ at the time.

    When I discovered I had a CCJ I paid it off immediately in cash.

    For both my Civil Service jobs I went through enhanced security vetting and passed with flying colours.


  9. #29
    Gold Account Holder BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative BazzaS Authoritative



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    Default

    Quote Originally Posted by BazzaS View Post
    Yes, they would need to divulge it.

    There are 2 main factors;
    a) is this person a financial risk?. Having a CCJ might indicate 'poor financial planning', but it would also depend when / why / for how much
    b) is this person a security risk?. Not divulging it might mean that the person 'wants to hide it', and might be susceptible to blackmail / pressure over that, or anything else they had 'hidden'..

    A 'poor credit score' in the absence of a CCJ? They won't be bothered. They might ask about it, but could be reassured by the reply "well, yes, I was surprised when I saw that, as I don't have any defaults / CCJ's.
    I put it down to not having any loans / credit card / debts, but since I'm not planning on taking out any credit I'm not bothered by it!", answering both the questions "are they financially vulnerable?" and "are they susceptible to blackmail?".

    Quote Originally Posted by Jim Davis View Post
    Sorry Bazzas but you are completely wrong based upon my own experience with the MOD 20 years ago.
    When I applied for a project manager position I didnt know I had a CCJ due to never receiving and court paperwork
    before or after the CCJ was issued.
    I was offered the position despite this so CCJ's have nothing to do with it.
    The MOD didn't consider me to be financially vulnerable or suseptible to blackmail.
    Neither did they consider me dishonest for not revealing a CCJ even though I never knew I had one at the time.
    When I applied for another job, the MOD bosses asked me to stay due to my excellent work.
    I left for a better paid job within the Civil Service and got that despite having an unsatisfied CCJ at the time.
    When I discovered I had a CCJ I paid it off immediately in cash. For both my Civil Service jobs I went through
    enhanced security vetting and passed with flying colours.
    “Enhanced security vetting”?
    PV? EPV? (As was), or
    (More recently) (E)DV??

    I don’t see the contradiction between the two positions though;
    ”Having a CCJ might indicate 'poor financial planning', but it would also depend when / why / for how much” and your “I got a job despite having a CCJ”, while the same applies for the blackmail issue : the first time you didn’t know about the CCJ (so weren’t trying to hide it!), the second time you don’t say if you were trying to hide it / caught trying to hide it or not.

    Mind you:

    Quote Originally Posted by Jim Davis View Post
    Hi Andy.

    Thanks for your reply.

    Do you think you would have to divulge personal financial information such as CCJ's if you applied
    for a job as a Project Manager within the MOD?
    Project managers within the MOD are in charge of enormous budgets running into millions of pounds.
    It looks like you are asking questions to which you feel you know the answer, why is that?



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