Potential employers and credit checks

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honeycomb

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Post by honeycomb » Sat Oct 18, 2008 11:59 am
At the moment I'm looking for work and am 32 months into IVA.

As a general rule do potential employers credit check you and can they do this without your consent?
 
 

LoneRanger

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Post by LoneRanger » Sat Oct 18, 2008 12:18 pm
It depends what Job you applying for. I know banks do but they will tell you they are going to do so. Probably jobs that will involve some kind of finances probably will aswell, along with police force and armed forces. but they all will have to inform you they are doing it.
Steve.

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honeycomb

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Post by honeycomb » Sat Oct 18, 2008 12:24 pm
I'm looking for work in the jewellery trade and also in retail, customer service and office roles.

I've been to a number of interviews in the last couple of days and started to panic that they're credit checking me right now!

Relief to know that they would have to tell me first!
 
 

Julie

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Post by Julie » Sat Oct 18, 2008 12:29 pm
Hi there - like Steve says some jobs i.e. banks may credit check but you shouldn't get credit checked for admin job in an office.

If a potential employer are going to credit check you, it would be mentioned at application stage and definitely at interview. You would have to sign to say you consent to the check.

Good luck in finding employment xx
 
 

honeycomb

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Post by honeycomb » Sat Oct 18, 2008 12:43 pm
Thanks, puts my mind at ease and feel less anxious about that.

I start a xmas temp job a week on Monday, doesn't really help me long term though... also means it's going to be difficult for me to attend interviews for anything permanent that comes my way...

Interviews I have attended in the past couple of days were for positions I really wanted and not just to support my IVA but for career progression and job satisfaction.

I feel like I'm just waiting around now for some news and had started to worry a little.
 
 

Julie

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Post by Julie » Sat Oct 18, 2008 12:47 pm
Try not to worry, you've done the right thing taking a xmas job. Recruitment for office work can tail off over the xmas period and normally picks back up mid Jan. Keep applying and if you're eligible for any free training courses, try to add to your qualifications when you're looking for work. There's lots of funded courses out there and it does your confidence good too.

xx
 
 

honeycomb

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Post by honeycomb » Sat Oct 18, 2008 1:00 pm
Lost my job two weeks ago, see my original thread for details about that...

I'm taking a payment break this month from IVA and I started claiming job seekers as soon as I lost my job.

Worst thing about being on job seekers is how they are so patronising to you and treat you like a stupid child when you go to sign on.
You have to keep a 'diary' of what you have been doing to find work, it took me nearly two hours to write it all out!

I was also offered something permanent but it was only part time, which is no good when you're in an IVA so I went for full time xmas temp, it's difficult to know which is the best thing to do.
 
 

angelrainbow

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Post by angelrainbow » Sat Oct 18, 2008 1:01 pm
Public sector may very well check you as well. I was when I joined the MOD about 10 years ago.
Completion Certificate received September 2012.
 
 

kallis3

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Post by kallis3 » Sat Oct 18, 2008 10:18 pm
Police definitly do, and some of them won't employ you if you are in an IVA. They will all tell you on the application form that you will be credit checked.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

honeycomb

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Post by honeycomb » Mon Oct 20, 2008 7:08 pm
I've contacted quite a few agencies during my job search and one of them contacted me today and wanted to put me forward for a customer service role because I fit the criteria and have the relevant skills and experience.

The job is pet insurance claims advisor working for... RBS.

Is this a no go for me and should I declare my IVA to agencies?
Last edited by honeycomb on Mon Oct 20, 2008 7:13 pm, edited 1 time in total.
 
 

David Mond

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Post by David Mond » Mon Oct 20, 2008 7:18 pm
I don't believe that you have to volunteer that you are in an IVA (which is a composition with your creditors. It has nothing to do with your ability to work in your chosen field. Good luck
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
 
 

freelili

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Post by freelili » Mon Oct 20, 2008 7:19 pm
I am not an expert on these things but I doubt you would have to declare your IVA to anyone. Thats why many go down the IVA route. If they are going to credit check you they have to tell you (so it gives you a chance to pull out, rigt?) otherwise I would keep it to yourself, its your private buisness.

I really hope you get something soon to put your mind at rest.

Good luck with it, keep plodding, everyones luck has to change eventually.
LILY

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I asked God for an answer, I have to live with his reply.
Exsisto an angelus quod planto quispiam sentio melior.
 
 

honeycomb

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Post by honeycomb » Mon Oct 20, 2008 7:33 pm
My main concern is that this particular position is with royal bank scotland. I don't want to go through the whole selection process and then be turned down because of IVA.
 
 

David Mond

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Post by David Mond » Mon Oct 20, 2008 7:39 pm
Presumably you have to complete a new employment application that they will supply you with - wait and see but don't worry I am sure these type of questions don't come up.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
 
 

Julie

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Post by Julie » Mon Oct 20, 2008 7:43 pm
Hi - why don't you call the HR dept, anonymously and ask them? It'll put your mind at rest xx
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