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l8onjones

Hi guys not sure if this is in the right place but I have been offered a job and theres a character enquiry form and asks about convictions and there is a question which asks if i am insolven.

I dont see myself as insolvent but I am unsure whether they can run a credit check to see if I am, or would I need to give permission?

I know they are doing a basic check with disclosure scotland would that flag any money issues up?

ReadingTim

Do you mean insolvent, or bankrupt?

Being an undischarged bankrupt can be asked in the character referece part of an application form (for example, my professional institute asks this: "Are you an undischarged bankrupt, or are your affairs currently subject to an arrangement with creditors or other
external administration, or are any such proceedings pending against you?").

They don't do a credit check, as far as I'm aware; but I assume that if they did, there would be mention of it in the small print somewhere - check the wording of the request/application form carefully!

I don't think asking if you're insolvent is much use - anyone with a mortgage is likely to be technically insolvent, as the mortgage is probably larger than their savings!

TadleyBaggie

ReadingTim wrote: »

They don't do a credit check, as far as I'm aware; but I assume that if they did, there would be mention of it in the small print somewhere - check the wording of the request/application form carefully!

I started a new job last year and a credit check was part of the "baseline" clearance procedure. It showed up on my credit report as a search a few months later.

AndyBSG

If you are insolvent then they don't even need to do a credit check as all bankruptcies are publicly listed.

If a job requires a credit check then they have to get your permission to carry out the check so you can always refuse it but if you do that then they'll probably withdraw the offer anyway.

endora

l8onjones wrote: »

Hi guys not sure if this is in the right place but I have been offered a job and theres a character enquiry form and asks about convictions and there is a question which asks if i am insolven.

I dont see myself as insolvent but I am unsure whether they can run a credit check to see if I am, or would I need to give permission?

I know they are doing a basic check with disclosure scotland would that flag any money issues up?

They can run a credit check on you but having defaults is not the same as being insolvent. BR and being in an IVA are forms of insolvency, merely being in debt is not!