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  1. I have recently found out that someone has applied for a credit account with JD Williams on my behalf. They had filled in the online application form with my Name, Date of Birth, a random London address and claimed I had just moved there from an address 4 years ago. Now, with every credit application I have ever made, from a Loan or Credit Card to a mobile phone contract, there has always been a process of verification to confirm I am infact living at the address given and who I say I am. These searches show on my credit report as soft searches as they were used to confirm m
  2. Hello! didnt know where else to post this but are credit card companies meant to carry out credit checks and if so does anyone know generally what information they look for? i have a one with Vanquis thats been passed to moorcroft.
  3. I hired an arbitrator as an ADR between me and my accountant. However it turns out that the contract between me and my accountant does not have a clause for arbitration. The arbitrator took on the job without checking this. He says he doesn't work for free! Given that almost all other professionals would do such a check, as it saves a lot of time - is there is legal requirement for him to do this check?
  4. Hi, Hope this is the correct forum just for advice on dealing with a future purchase. If a dealer says they have carried out a 60,75,150 check on a vehicle is it reasonable to ask for a copy of the check when you go to view the vehicle so you can double check what they claim to have checked ..... I might sound a bit untrusting of car salesmen but my recent dealings with a large franchise has definitely not done anything to make me think they have suddenly become more trustworthy than Arthur Daley when it comes to telling the truth. Any advice on a purchase would be appreci
  5. Hello everyone. About 4.5 years ago I was caught stealing some clothing from a high street store (tough period of my life, which I am luckily out of now. It was done to sell on to try and pay some bailiffs) The police were called, I was arrested and given a caution. I didn't have to pay an £80 fine. I'm going to apply for a job now and as far as I know they perform fairly stringent checks on their employees. This role won't be handling cash, or being around vulnerable adults/children. I think they will do an enhanced DBS check at the least. Will this be flagged up in the check?
  6. Hi, someone can help ! Over the weekend I put in an offer to rent a property, and was given a date as to when i could move in providing referencing went through ok etc etc. The problem now is that my boss, who is my referrer, is now on holiday and wont be able to sign anything until he is back. I need to move out and into a new place before he is back. Perhaps naively, I actually thought that they would simply call or email him and ask to confirm any details that I put down, he is contactable this way, but wont be able to print and sign anything off before he gets back. Which l
  7. Eldest daughter is just about to move out of a house she rents with three friends in London- it's rented and managed by one of the bigger London agents. They are all listed on the tenancy agreement. She's been there several years and the tenancy agreement has been extended etc. There is provision in the contract to move out mid tenancy, subject to a charge, and various conditions, including finding a replacement tenant. She's been made aware of the Right to Rent legislation which appears to apply from 1st Feb by the agent. Now, she's planning to move before 1st Feb, and the
  8. Here you go. http://www.motortrader.com/motor-trader-news/automotive-news/ford-technicians-praised-rac-high-quality-standards-18-11-2015 H
  9. A Police officer recently informed me that a criminal PNC check will be shown on a person's credit report and damage that person's credit rating. I this true? I thought that county court prosecutions had nothing to do with magistrate court criminal prosecutions. Am I wrong or is the Police officer talking rubbish?
  10. http://www.consumeractiongroup.co.uk/forum/showthread.php?452870-Bailiffs-demand-reverse-checks-from-DVLA From our media section ^^^^^ Full story HERE
  11. There is often a lot of confusion, fear and trepidation when those of us with less than perfect credit files have to go through the process of being referenced and credit checked for a new tenancy. A simple google will show that there is conflicting information out there about what landlord and letting agencies can and cannot see. WHAT LANDLORDS CAN SEE When you are credit checked for a tenancy only the public data can be seen and shared: Electoral Roll CCJs Bankruptcies Name/DOB confirmation WHAT LANDLORDS CANNOT SEE Any private credit data is not allowed to be sh
  12. just wondering if anyone else is having this problem of robinson way doing credit report address history checks everyday for the past month? i have already cca'd and heard nothing back except we cannot retrieve your consumer credit agreement. anyones views or advice would be really helpful.
  13. Hello, if it's your first offence and you have been given a Restorative Justice, does it show up on a CRB check/ Advanced CRB check? I think they are called DRB or DSB checks now. Many thanks.
  14. I have applied for a position with British Gas. They asked if I had any CCJ's or IVA's against me within the past 6 years. I said no. However I have progressed a bit further now and have to fill in forms for a full check by Experian, and the question is now worded differently - Have you ever received any County Court Judgments or Individual Voluntary Arrangements against you? My CCJ was over 6 years ago, and has dropped off of ALL of the credit reports I have paid for to check, so my question is - Do I have to tick yes? Thanks in Advance. Tony.
  15. Hello, I work for a large organisation, and my name is on a list of people to potentially have a company credit card. This will be used to make it easier to purchase consumables and admin related items. It would make my work life much easier too. However, I have terrible credit, which I'd rather my work didn't know about. If they want to give me a company credit card, will I have to go through a credit check, or is it the organisation that goes through the credit check rather than the individual holding it?
  16. http://www.dailyrecord.co.uk/news/scottish-news/police-officers-fear-new-strict-2952145
  17. my employer over the past 4 years has carried out two enhanced CRB checks on me and all has been fine. My employer has never had a complaint about me and I have been an outstanding employee. Recently after a meeting with an external agency they have been made aware I had two allegations of assult on my CRB and these go back 4 plus years. Both cases were dropped and not proven. They were false allegations against me. My employer was never concerned before and had the information but now that some external agency i.e police or social services have raised it with them they are pursuing it and I a
  18. Hi, I started working for a large energy supplier on the 3rd June 2013, on the 3rd July I received an email asking me to complete some pre-employment checks, which I found strange considering both myself and the company signed my contract of employment in May. I have a poor credit history and can almost guarantee that I will fail a Credit Check, which they are carrying out on me. Where do I stand on this if I do indeed fail the check and I lose my job? I am still in my probationary period with the company, but whilst there has been no performance issues, I feel they may use
  19. Hopefully I'm posting on the right forum: Does anybody know if there is any way of checking if a HPI check has been done on my vehicle? Cheers in advance
  20. Ive had to send off 5 enhanced DBS checks, as i registering to be a childminder. Four of them have been returned and we are still waiting for the 5th, my sons. We didn't list any convictions as he, as far as we know, didn't have any, but the delay has now made us wonder a couple of the. Firstly he accidentally drove down a bus lane, paid the fine - should this have been listed. It was a few years ago and he was caught on camera, not pulled over by police so cant remember who the fine was from -council or police Secondly on a drunken night out with the lads he was put in the back of the
  21. Hi all not sure if this is posted in the right thing but here is my question hope you can help. my husband was arrested on the grounds of conspirey on suspicion to burgely but whilst out on bail all chrges were dropped and no further action taken will this show up on a enhanced crb check. thk u
  22. I have obtained a new job, the recruitment agent says they are only looking for bankruptcy and CCJ's. I have 3 defaults from 2008/2009. I remember in my current job I had to go through the same thing, this was in 2010 and it was fine. Has things changed, do they now look for defaults? I am panicing about this and cant sleep, the great credit crunch cost my my job and I didnt have enough in savings to keep on top of accounts and now its came back to bite me The banks of course that got bailed out are fine and dandy.
  23. Hi there. I don't know if I am posting in the right forum, hopefully a moderator can help me if not. This is bit of a long story so please bear with me. I got made redundant through no fault of my own September last year and have been on Jobseekers Allowance since then. Everyone knows that when you have a job you have a better lifestyle, and when you lose that job, the lifestyle dramatically changes and you cannot afford the little luxuries anymore, this is where defaults start happening on your credit file and start to get harassed by the DCAs. Anyway, I was placed on a 2 week
  24. http://www.bbc.co.uk/news/uk-21942544 "Thousands of job applicants will no longer have to face their criminal past being disclosed to employers, under changes announced by the Home Office. Old and minor cautions and convictions will be filtered out of the information revealed in applications for jobs in England and Wales. It follows a Court of Appeal ruling in January that blanket checks did not comply with human rights laws. All serious violent and sexual offences will continue to be disclosed. The Home Office said the system would be implemented within weeks, followi
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