Offered job but in debt!! help please!!

gnasher18us

Hmm, is it credit checking, or reference checking?

I do know that some employers want to know about CCJ's if you're dealing with money, because if you have a CCJ they think you may be likely to (or try to) defraud because you haven't handled money very well in the past (according to them).

In such employment none declaration is often an "instant dismissal" offence.

I don't know why a sales advisor of a mobile phone company would have this complication (what monetary loss to the business would possibly be at risk? You wouldn't put your own bank details in to pay a mobile bill of one of the customers!).

The bottom line is you may have to declare your CCJ, but check your employment offer, and your contract before getting stressed about it.

raachel29

If it didn't mention a credit check, why are you worrying so much?? It sounds like they will check references, nothing more.

nexus2011

Mobile phone industry is like the security industry where they ask for credit checks to see if you are likely to be tempted by bribery for fraud.

sting007

very mixed opinions lol i am CRB clear as my last job i worked for the government..my debt is only £2000 and i want to clear this asap surely they would take the amount i owe into consideration?

gnasher18us

sting007 wrote: »

very mixed opinions lol i am CRB clear as my last job i worked for the government..my debt is only £2000 and i want to clear this asap surely they would take the amount i owe into consideration?

Can I just say that you have an excellent attitude to your debts, and it's good to see! I hope the CCJ doesn't affect your offer of employment! :beer:

raachel29

Can you not call them to clarify what they are actually checking? You could be worrying yourself silly over nothing. I'm sure you're not the first person to apply for a position with them with a CCJ.

sting007

gnasher18us wrote: »

Can I just say that you have an excellent attitude to your debts, and it's good to see! I hope the CCJ doesn't affect your offer of employment! :beer:

thank you i have had a very hard time for the past couple of years basically going through hell peronaly and financially.This is the only thing that has gone right for me and i don't want to loose it.. just want to get out of debt and be free again and i won't spend a quid till i'm free.

t0rt0ise

Just wait and see what happens. Don't ask them as it will look odd and they'll get suspicious. Just be patient.

sting007

yeh i guess it's the best thing to do.. never mind i did well in the interview so..i couldn't have done better it's just the credit rating that's let me down

MsBlonde

just googled watchdog reference check, think you're worrying about nothing Congrats on your new job!

Level 1 – Low Risk Roles

• Identity & Right to Work checks
• Residency Verification (UK and abroad)
• 3 year employment checks

Level 2 – Medium Risk Roles

• Identity & Right to Work checks
• Residency Verification (UK and abroad)
• 5 year employment checks
• Financial Probity check (credit check)

Level 3 – High Risk Roles

• Identity & Right to Work checks
• Residency Verification (UK and abroad)
• 5 year employment checks
• Educational Establishments
• Professional Qualifications or Memberships
• Financial Probity check (credit check)
• Directorship check
• Criminality check

Level 4 – Senior Management/Executive Roles

• Identity & Right to Work checks
• Residency Verification (UK and abroad)
• 10 year employment checks
• Educational Establishments
• Professional Qualifications or memberships
• Financial Probity check (credit check)
• Directorship check
• Criminality check
• Sanction List check