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  • FIRST POST
    • InNeedofAdvice
    • By InNeedofAdvice 18th Jun 17, 3:15 AM
    • 20Posts
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    InNeedofAdvice
    Which jobs are prohibited for ex-bankrupts?
    • #1
    • 18th Jun 17, 3:15 AM
    Which jobs are prohibited for ex-bankrupts? 18th Jun 17 at 3:15 AM
    I'm looking for a new career and finding a lot of job options are ruled out because I'm an ex-bankrupt (discharged over 12 months ago).

    I know the obvious ones like accountancy and working in the legal sector (e.g. solicitor), but what else? I'm discovering jobs like working in car sales seem to be off limits (as dealing with finance).

    What about things like - estate agents, working in banks etc?

    Is there a time limit i.e. will there come a time I can apply for these types of jobs or is it indefinite? Seems a little unfair if it is indefinite.
Page 1
    • TheGardener
    • By TheGardener 18th Jun 17, 9:57 AM
    • 2,168 Posts
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    TheGardener
    • #2
    • 18th Jun 17, 9:57 AM
    • #2
    • 18th Jun 17, 9:57 AM
    As Peterkay says - this board is for support of those who are BR. If you feel there should be a support board for those on the other side of BR - then contact MSE and ask for one.

    OP: What jobs does bankruptcy affect?
    Some jobs are not open to bankrupt people at all. You can’t do any of the following jobs until you’re discharged from your bankruptcy:
    Charity trustee
    Company director
    Insolvency Practitioner
    Justice of the Peace
    Registrar of births, marriages and deaths
    MOT authorised examiner
    Consumer credit licence holder
    If the official receiver extends your bankruptcy restrictions, you’ll also be barred from the following jobs:
    Local or national government, for example a councillor or MP
    School governor
    Magistrate

    The Police have a clause about BR for applicants I believe as do some gov agencies such as intelligence and security.

    There are also some informal issues - in the private sector any employer might decide they don't like the idea but then you get into all sorts of rules about unfair dismissal.
    Last edited by MSE ForumTeam3; 18-06-2017 at 12:46 PM. Reason: Quoting deleted post
    • peterkay369
    • By peterkay369 18th Jun 17, 10:43 AM
    • 161 Posts
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    peterkay369
    • #3
    • 18th Jun 17, 10:43 AM
    • #3
    • 18th Jun 17, 10:43 AM
    Yes there are two sides to every bankruptcy - this side is not for the creditors, it is for the people going through the bakruptcy process.

    Please take a read of this thread: http://forums.moneysavingexpert.com/showthread.php?t=443692

    As TheGardener says, if you feel there should be a subforum for the creditors of bankruptcies then contact the forum team and request one.

    Also, I do have experience of the harm that bankruptcy causes.
    Last edited by MSE ForumTeam3; 18-06-2017 at 12:46 PM. Reason: Quoting deleted post
    • d123
    • By d123 18th Jun 17, 2:06 PM
    • 6,700 Posts
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    d123
    • #4
    • 18th Jun 17, 2:06 PM
    • #4
    • 18th Jun 17, 2:06 PM
    I'm looking for a new career and finding a lot of job options are ruled out because I'm an ex-bankrupt (discharged over 12 months ago).

    I know the obvious ones like accountancy and working in the legal sector (e.g. solicitor), but what else? I'm discovering jobs like working in car sales seem to be off limits (as dealing with finance).

    What about things like - estate agents, working in banks etc?

    Is there a time limit i.e. will there come a time I can apply for these types of jobs or is it indefinite? Seems a little unfair if it is indefinite.
    Originally posted by InNeedofAdvice

    If you're discharged are there any prohibited jobs? The list above applies to undischarged bankrupts.

    Once discharged I presume not being able to pass a credit check would make a banking job impossible for 6 years, but where are the restrictions from on dealing with finance e.g. car sales?
    ====
    • InNeedofAdvice
    • By InNeedofAdvice 18th Jun 17, 2:22 PM
    • 20 Posts
    • 21 Thanks
    InNeedofAdvice
    • #5
    • 18th Jun 17, 2:22 PM
    • #5
    • 18th Jun 17, 2:22 PM
    Did a few posts get deleted or something? Some of the above replies are a bit out of context it seems. All I wanted to know is whether myself as an ex-bankrupt is prohibited from ever applying to join certain professions.

    Thanks for the list TheGardener.

    What about roles which offer financial contracts e.g. sales jobs?
    • keepcalmandstayoutofdebt
    • By keepcalmandstayoutofdebt 18th Jun 17, 2:38 PM
    • 2,918 Posts
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    keepcalmandstayoutofdebt
    • #6
    • 18th Jun 17, 2:38 PM
    • #6
    • 18th Jun 17, 2:38 PM
    Pick up the latest 'jobs & careers' magazine - cost just under a fiver but it's definately worth it as gives insight into careers - I think 2 mags come out per year. This year's 'Spring' issue. has only just hit the shelves in WHSmith. Next one in autumn time.

    Industries on the up for this year 2017
    Construction
    Industries lessening for this year
    Insurance Admin staff
    there's others but these are two I defo remember of the top of my head.

    Any people service you might be okay in as recruitment consultant etc, now that's a career.

    I have worked in a depot before now gladly with 'real' people where quite the irony was the people answering calls were not subject to dbs checking but the drivers were so imagine what happened if someone had a criminal past. So it's not just bankrupts that can have a problem.

    See even the provy now does only CCJ checks on their loan collectors so perhaps things will start moving in the right direction. There was even that benefit programme recently where someone on benefits had been interviewed for a bank!! (got to imagine all the problems that someone unemployed can come up against) so which I thought was pretty radical!
    "If you are caught in a rainstorm, once you accept that you'll receive a soaking, the only thing left to do is enjoy the walk"
    • d123
    • By d123 18th Jun 17, 2:42 PM
    • 6,700 Posts
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    d123
    • #7
    • 18th Jun 17, 2:42 PM
    • #7
    • 18th Jun 17, 2:42 PM
    Did a few posts get deleted or something? Some of the above replies are a bit out of context it seems. All I wanted to know is whether myself as an ex-bankrupt is prohibited from ever applying to join certain professions.

    Thanks for the list TheGardener.

    What about roles which offer financial contracts e.g. sales jobs?
    Originally posted by InNeedofAdvice
    There's at least one deleted post

    Last edited by MSE ForumTeam3; Today at 12:46 PM. Reason: Quoting deleted post
    With regard to your question, a search doesn't appear to show any jobs specifically prohibited to discharged bankrupts, though some jobs might be difficult to get while the bankruptcy is still on your credit file.
    ====
    • TheGardener
    • By TheGardener 18th Jun 17, 2:48 PM
    • 2,168 Posts
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    TheGardener
    • #8
    • 18th Jun 17, 2:48 PM
    • #8
    • 18th Jun 17, 2:48 PM
    I had understood chartered accountancy professional bodies do not permit entry even to a discharged BR? Some professions (law etc) require membership of professional bodies so it may not be the actual job as such - but being excluded form the professional body that represents that profession that's the problem.

    Sales - including dealing with customers applying for credit should not be barred to you.
    Last edited by TheGardener; 18-06-2017 at 2:51 PM.
    • d123
    • By d123 18th Jun 17, 3:16 PM
    • 6,700 Posts
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    d123
    • #9
    • 18th Jun 17, 3:16 PM
    • #9
    • 18th Jun 17, 3:16 PM
    I had understood chartered accountancy professional bodies do not permit entry even to a discharged BR? Some professions (law etc) require membership of professional bodies so it may not be the actual job as such - but being excluded form the professional body that represents that profession that's the problem.

    Sales - including dealing with customers applying for credit should not be barred to you.
    Originally posted by TheGardener
    Doesn't appear so, don't confuse undischarged and discharged, a search even picks up previous posts on this forum.

    e.g.

    Hi GMDF,

    You will be unable to practice as a Chartered Accountant if you are an undischarged bankrupt. Once discharged, you can in theory become an accountant.

    However, in many such occupations, you will have to be deemed to be a fit and proper person, and a recent bankruptcy may have an effect on this. The easiest thing to do would be to call The Institute of Chartered Accountants England and Wales. The telephone number for their London Office is 020 7920 8100
    Originally posted by Tinytim
    Following on from that link, to the governing body the AAT.

    They say the following:

    AAT will not, under any circumstances, approve an application for membership from an applicant with an undischarged bankruptcy or Debt Relief Order, for which the moratorium period has not expired.

    14. In all other circumstances, unless stipulated in Schedule 2 to this policy, AAT will consider the following criteria in determining whether an applicant is a fit and proper person to be admitted to membership:
    a) the type of insolvency declared
    b) the amount of money owed at the point of insolvency
    c) the circumstances surrounding the insolvency, including aggravating factors and mitigation
    d) representations from the Insolvency Practitioner (where relevant)
    e) the applicant’s present circumstances
    f) at least two character references
    g) any other representations put forward by the applicant.
    15. AAT’s requirements for character references are detailed in Schedule 1 to this policy. Even if a character reference meets these criteria, AAT may still reject an application, if it does not consider that one or more reference demonstrates an applicant’s fit and proper status.
    16. AAT may refer to information available in the public domain in making a determination as to an applicant’s fit and proper status.
    17. The test to be applied to the final determination whether an applicant meets the fit and proper requirements is whether the applicant, on the basis of their insolvency and the circumstances surrounding it, would pose a risk to the public or is likely, by virtue of holding membership, to undermine public confidence in AAT or its members.
    So, membership is possible after a period of time has elapsed after discharge meaning such employment is not prohibited.
    ====
    • TheGardener
    • By TheGardener 18th Jun 17, 4:38 PM
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    TheGardener
    yes - it is possible, but I have knowledge of an acquaintance being refused membership of a professional body 3 yrs after AD - and that effectively made her unemployable in that profession.

    The reality is that some professions are restricted after BR - discharged or not.
    I've also seen posts on here pointing out that passing the recruitment for the Police as an ex BR is very hard.
    • d123
    • By d123 18th Jun 17, 4:43 PM
    • 6,700 Posts
    • 4,270 Thanks
    d123
    yes - it is possible, but I have knowledge of an acquaintance being refused membership of a professional body 3 yrs after AD - and that effectively made her unemployable in that profession.

    The reality is that some professions are restricted after BR - discharged or not.
    I've also seen posts on here pointing out that passing the recruitment for the Police as an ex BR is very hard.
    Originally posted by TheGardener
    Police requirement is at least 3 years have to elapse after discharge.

    Police officers with financial problems are potentially vulnerable to corruption, therefore it is preferable for applicants to be free from discharged debt and liability and be able to manage existing loans.

    Applicants with existing County Court Judgements who are subject of a current Individual Voluntary Arrangement (IVA) or have been registered bankrupt/subject of sequestration and their bankruptcy/subject of sequestration has not been discharged, will be rejected.

    Applicants who have been registered bankrupt and their bankruptcy has been discharged will be rejected until three years after the discharge of the debt.

    Debt Relief Orders will be treated in the same way as bankruptcy.

    Applicants who have defaults or are in a debt management programme will be required to provide proof of how this is being managed and any relevant documentation e.g. agreement plan, evidence that payments are up to date and made on a regular basis.
    https://jobs.west-midlands.police.uk/application/
    ====
    • TheGardener
    • By TheGardener 18th Jun 17, 5:00 PM
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    TheGardener
    I do appreciate your clarity on this - but in the real world - some employers are reluctant to employ ex BRs in some professions. I'm not defending that - just saying that's how it is.

    No amount of rules and regs will make it absolutely possible to be employed in some professions after BR - no matter what google says.
    • sourcrates
    • By sourcrates 18th Jun 17, 5:33 PM
    • 12,471 Posts
    • 11,863 Thanks
    sourcrates
    Did a few posts get deleted or something? Some of the above replies are a bit out of context it seems. All I wanted to know is whether myself as an ex-bankrupt is prohibited from ever applying to join certain professions.

    Thanks for the list TheGardener.

    What about roles which offer financial contracts e.g. sales jobs?
    Originally posted by InNeedofAdvice
    Apologies, Yes they did, someone didn't understand that this is an advice forum, so had to be reminded.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • InNeedofAdvice
    • By InNeedofAdvice 18th Jun 17, 5:34 PM
    • 20 Posts
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    InNeedofAdvice
    Another tidbit of information I've heard is that if someone is in a FCA 'Control Function' role, then they cannot be employed if bankrupt, and possibly post-discharge.

    Which roles would come under the banner of being a 'Control Function'? Would the director of the company be the role with a 'Control Function', and the general employees who may deal with financial arrangements (E.g. hire purchase) not be?
    • d123
    • By d123 18th Jun 17, 5:38 PM
    • 6,700 Posts
    • 4,270 Thanks
    d123
    I do appreciate your clarity on this - but in the real world - some employers are reluctant to employ ex BRs in some professions. I'm not defending that - just saying that's how it is.

    No amount of rules and regs will make it absolutely possible to be employed in some professions after BR - no matter what google says.
    Originally posted by TheGardener
    True, but then there are still some employers out there who might be reluctant to hire a black person.

    I was answering on the basis of the original question which asked if post bankruptcy discharge there were jobs that were ruled out or restricted. Legally, I don't think there are...
    ====
    • TheGardener
    • By TheGardener 18th Jun 17, 5:46 PM
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    TheGardener
    The OP is looking for a new career after BR and I believe we have answered their question.

    In the real world - if I was looking for a new career, as an ex BR, I probably wouldn't bother with the higher level professions unless I had a particular aptitude, qualification or drive to do so as the 'prejudice' may make it more trouble to overcome than its worth. If faced with 2 equally qualified applicants - I suspect in some professions, the one who is the ex BR may be at a serious disadvantage.

    However, given the list of 'famous' ex BR's on this forum, it seems in some professions (business and show business to name a couple) to almost be 'de rigueur' and a well worn path to success. But for mere mortals like the rest of us - perhaps not such a good addition to the CV
    • elljay
    • By elljay 18th Jun 17, 7:17 PM
    • 741 Posts
    • 618 Thanks
    elljay
    As has been suggested, although there are some careers that even discharged bankrupts might find difficult to get into, there are an awful lot of subtleties and discriminatory views. My experience was that the manager of the independent shop where I worked made my life so difficult that in the end I felt I had no option but to leave (after nearly 10 years!) Having found out by googling my name when she wanted my postcode for something and was too lazy to check staff files, she told all the other staff about me, made it clear that I was not to work on the till unless closely supervised and bit by bit eroded my job until I wondered whether I should be allowed to make a brew in case I stole a tea bag. A couple of staff members remained friendly, others watched me very warily (and no, I'm really not paranoid!!) Funny thing was she was dismissed 18 months later for fraud, theft etc and I have been asked back by the new manager. There are ways round every other illegal form of discrimination, race, gender, disability etc and this is no exception.

    The other thing is that although you can be a councillor when still undischarged, (this changed recently I believe) council insurance often has a 'no bankrupts' clause and this might apply to other jobs/voluntary roles too. Your council might not be bothered but your status could nullify any insurance claim.

    It's a tricky area isn't it. EJ
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