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. #1
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    ice198625 Novitiate



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    Default Successful Interview (Credit Check ?)

    Hi

    Went for my interview today for the installation engineer role passed everything did my medical and passed all that and been told their recruitment recruitment will be in touch soon to do CRB checks and a credit file check.

    Only thing im worried about is the credit check few years ago after i lost my job i went through a stupid patch with silly loans and an over draft, i paid the loans off, still currently paying the overdraft which is not far off setteled since then things are getting better was recently accepted on a credit card to boost my credit history which ive been using and paying off on the payment due date.

    I am still worried about this credit check though as my credit history still shows very low on noddle or clear score.

    I have never had a CCJ or been bankrupticon i have set payment plans with the lenders and are paying them all off in full.

    Why do employers want to do a credit check this role isnt dealing with cash or anything so dont see why its needed.

    Thanks

    as for my CRB this will come back clear as ive never been in trouble

    i was going to ask today but didnt feel it was the best idea

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  2. #2
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    Default Re: Successful Interview (Credit Check ?)

    Hi.

    I've edited your post to remove the company name and keep this confidentialicon. We don't need the name to be able to advise you.

    HB

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  3. #3
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    Default Re: Successful Interview (Credit Check ?)

    Hi,

    I think it's quite common now for companies to do pre employment credit checks, they will be checking things like you are who you say you are, whether or not you have any CCJ's or have been declared bankrupticon or are under serious pressure regarding any large debts ect which may affect your performance at work.

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    Default Re: Successful Interview (Credit Check ?)

    Hi

    Have a wee look at this Government link: https://www.gov.uk/employers-checks-job-applicants

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  5. #5
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    Default Re: Successful Interview (Credit Check ?)

    so does the role involve direct unsupervised contact with children or vulnerable epopel? If not no DBC check needed but lke with many of these things they do a belt and braces approach for all jobs. The credit check wont really apply if you arent handling money or in a job where it is covered by the FCA rules but as poinmte dout this is a simple way of finding out if you are who you say you are. The data given will be very basic, address, electoral roll DOB etc


  6. #6
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    Default Re: Successful Interview (Credit Check ?)

    Does the 'installation engineer' job involve you going to people's houses to do installation work? If so that would be why they do checks, because you could have unsupervised access to people who may be "vulnerable adults" under safeguarding law.


  7. #7
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    Default Re: Successful Interview (Credit Check ?)

    Hi

    Yes it's working in people's homes carrying out tv installations so crb will be required which will be clear and clean

    So the credit check is some sort of identity check which gives very basic information right????


  8. #8
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    Default Re: Successful Interview (Credit Check ?)

    Quote Originally Posted by ice198625 View Post



    So the credit check is some sort of identity check which gives very basic information right????
    This what Experian say.....

    When you request a pre employment credit check, our system will quickly scour numerous public and private databases for any adverse financial warning signs. We check county courticon Judgements (CCJs), bankruptcies, voluntary arrangements, decrees and administration orders. The Experian Adverse Financial Check also consults the candidate’s electoral roll registration to confirm their current address.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.


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  9. #9
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    Default Re: Successful Interview (Credit Check ?)

    https://www.reedglobal.com/blog/2018...-credit-checks

    Pre employment credit checks are common, almost universal in some industries (eg financial services) and with any job involving access to money or valuables. Your employer probably thinks that having unsupervised access to vulnerable adults needs risk assessment because installation engineers would have enhanced opportunities to defraud, or even steal, from vulnerable elderly people. Their thinking typically is on the lines that someone who is deeply in debt and isn't earning enough to pay their debts is a higher risk of defrauding/stealing from their customers. It's bankruptcyicon and deep debt that they are concerned about, they won't be interested in whether you've missed a payment here and there.

    I always feel that's rather a dismal view of human nature, but that's how HR people (and regulators) look at it.


  10. #10
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    Default

    Quote Originally Posted by Ethel Street View Post
    https://www.reedglobal.com/blog/2018...-credit-checks

    Pre employment credit checks are common, almost universal in some industries (eg financial services) and with any job involving access to money or valuables. Your employer probably thinks that having unsupervised access to vulnerable adults needs risk assessment because installation engineers would have enhanced opportunities to defraud, or even steal, from vulnerable elderly people. Their thinking typically is on the lines that someone who is deeply in debt and isn't earning enough to pay their debts is a higher risk of defrauding/stealing from their customers. It's bankruptcyicon and deep debt that they are concerned about, they won't be interested in whether you've missed a payment here and there.

    I always feel that's rather a dismal view of human nature, but that's how HR people (and regulators) look at it.
    Thanks for the info im not in any deep debt I had a look at my application today and it states do you have any ccjs over 750 pound where you cannot provide a payment plan for obviously I stated no



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