Old Unsettled loan.....

[Riz]

Re: Old Unsettled loan.....

As for finding out the current status of any loan, default etc, if you NEED that info for any application then I don't see much alternative to checking credits reports and contacting the lenders.

Difficult position....

If you post the sort of questions they ask then maybe someone will have an idea...

[Riz]

Re: Old Unsettled loan.....

Others may know more about what the Police want, need and will check.

Not really the area I was ever in I'm afraid.

[PlanB]

Re: Old Unsettled loan.....

You are not a bad person ! Being skint is not a criminal offence even I know that. Policemen often have to give Witness Statements and appear in court to support the Crown Prosecution Service at trials so there is probably a need to be seen to be whiter than white. But that means being an honest person, not being someone without any outstanding loans. From what you say you haven't done anything dishonest. No lying, cheating, or obtaining money by deception. You just took out a loan and got into difficulty when you couldn't pay it back. I expect you're not going to be the first bobby on the beat with that problem. If it was me I wouldn't want to hide this from a potential employer in case it backfired further down the line.

But if it has been written off then you've nothing to declare have you?

[CleverClogs (RIP)]

Re: Old Unsettled loan.....

... my employer found out I was applying for the police and my position became "no longer required"...

That would make sense if you were employed in distribution of 'exotic snuff' or some other equally nefarious activity.

[If-Only-I-Knew]

Re: Old Unsettled loan.....

Hey there. No, nothing exotic. Unless you class chassis for military off roaders as tasty! Lol... No I'm afraid some folks. Just have a natural dislike to the word Police! :/

[pompeyfaith]

Re: Old Unsettled loan.....

But then you would be unfairly dismissed

[Riz]

Re: Old Unsettled loan.....

http://policerecruitment.homeoffice....df?view=Binary

Policy

1. Regulation 6, and Schedule 1, paragraph 4 of the Police Regulations 2003 states
that a member of a police force shall not wilfully refuse or neglect to discharge any l
awful debt.

2. All members of the Police Service are in a privileged position with regard to
access to information and could be considered potentially vulnerable to corruption.

3. Applicants to the Police Service should normally be free from undischarged
debt or liability and able to manage existing loans. The emphasis should be on
sensible management of debt.

4. This policy should sit alongside the Association of Chief Police Officers
(ACPO) National Vetting Policy for the Police Community and police force vetting
policies and procedures.

Guidance

5. Applicants who have existing County Court Judgments (CCJs) outstanding
against them should not be considered.

6. Applicants who have discharged County Court Judgments should be
considered.

7. Applicants who are the subject of a current Individual Voluntary Arrangement
(IVA) should not be considered.

8. Applicants who have been registered bankrupt and their bankruptcy debts
have not been discharged should not be considered.

9. Applicants who have been registered as bankrupt and their bankruptcy debts
have been discharged should not be considered until three years after the discharge
of the debt.

10. For the purposes of police recruitment, former Directors of limited companies
which have become insolvent and who apply to the police force should be treated as
if they were bankrupt even though the debts are in the name of the company.

11. Where debts are declared, the financial vetting check should be made at the
start of the recruitment process. Otherwise, it may be conducted post assessment
but prior to appointment.

12. Careful consideration should be given when a Credit Reference Check
reveals applicants have defaulted accounts.

[pompeyfaith]

Re: Old Unsettled loan.....

One very important word in there:

Regulation 6, and Schedule 1, paragraph 4 of the Police Regulations 2003
states that a member of a police force shall not wilfully refuse or neglect to discharge
any lawful debt.

[MrsD]

Re: Old Unsettled loan.....

OK here's my tuppence worth
if it doesn't show anywhere you've looked, won't the police check peeps be looking in the same places?
debt is not criminal, you are not a bad person, life and shit happens, frankly you need to give yourelf a break.
Mr D, my OH has high level security clearance and we've got debt coming out of our ears, all going through UE. Once it was explained to them extensively, they cleared him for another 10 years, so not impossible. and his is higher level than the police.

the other thing is just my take on to-days society but why would anyone presume debt=dishonesty, how dare anyone make this assumption? i've personally checked this out and there is no known research anywhere that confirms this assumption.

[Riz]

Re: Old Unsettled loan.....

OK here's my tuppence worth
if it doesn't show anywhere you've looked, won't the police check peeps be looking in the same places?

Yes, but credit reference files etc are contrary things. May not show to you, or now, but these things can pop up when you least expect. Sometimes the CRAs has the data, but hasn't made the link to your file. Only takes the link to be made and suddenly up pop the old debt you thought didn't show.

Also the problem is if you are asked on the forms about any unpaid debts, default notices etc.

Not advisable to fib on that.

debt is not criminal, you are not a bad person, life and shit happens, frankly you need to give yourelf a break.

True.

Mr D, my OH has high level security clearance and we've got debt coming out of our ears, all going through UE. Once it was explained to them extensively, they cleared him for another 10 years, so not impossible.

True. I've been told if I needed to go through SC (or DV) again, then would not be a problem as long as they knew.

[Undercover Elsa]

Re: Old Unsettled loan.....

My nephew's a police officer and is in debt up to his eyeballs.

I wonder if a "softly softly" approach might be best?

ie "I've checked my credit files and no outstanding defaults are showing. However there is an old loan I'm unsure of, which was dealt with by CAB a few years ago. It's not showing on my CRF, but if you want me to double check I'm happy to do so"

Or is it just a yes/no box?

[If-Only-I-Knew]

Re: Old Unsettled loan.....

If I can apply for the role and not get it because of my poor financial position then at least at that point I will know where I stand.... If I don't get in because I haven't shown integrity and honesty on my application then I deserve not to get in tbh....

I think my main quandry is I don't want to say the wrong thing, or dig myself in any deeper than I already am.

I appreciate that the debt still exists somewhere, so if I can be direct and factual in my application then I stand a chance of making the grade, but if I waffle or don't have my story straight then I have no chance.

Life don't half kick you in the wotsit's sometimes!!!

[Riz]

Re: Old Unsettled loan.....

My nephew's a police officer and is in debt up to his eyeballs.

I wonder if a "softly softly" approach might be best?

ie "I've checked my credit files and no outstanding defaults are showing. However there is an old loan I'm unsure of, which was dealt with by CAB a few years ago. It's not showing on my CRF, but if you want me to double check I'm happy to do so"

Or is it just a yes/no box?

Don't know what the police use. If it's the standard SCCTC questionnaire, then there is a copy attached to a post on the 1st page of this thread. Has a section on financial info.

[Never-In-Doubt]

Re: Old Unsettled loan.....

I appreciate that the debt still exists somewhere, so if I can be direct and factual in my application then I stand a chance of making the grade, but if I waffle or don't have my story straight then I have no chance.

Well as I suggested to Mrs D when her hubby was going through this, be honest and concise - don't get drawn into waffling and simply say the truth which is,

I found myself in a bit of a pickle and the bank constantly upped the rate until such time I physically couldn't repay it as the repayments were absorbed by their high interest rates. I then spoke to registered charities and debt councelling services who confirmed that I was entitled, under common law, to query the terms and agreement of the actual product based on the fact my starting APR was a lot lower. As such, whilst trying to establish resolution with the debts the creditor issued defaults against me which is not a true reflection of how I conduct myself on a day to day basis but instead it is how they interpret the running of my account which has no real bearing on the actual truth which is I am a disgruntled customer based on them hiking my product rates to a point that makes repayment almost unnecessary.

I am using legislation set in place to protect us against such processes, namely the Consumer Credit Act 1974.

That's the actual truth of the matter - so why not say something like that.....

[If-Only-I-Knew]

Re: Old Unsettled loan.....

From the BTP application (very similar to home office PC app), the most relevant question reads...

Have you had a loan arrangement terminated by a bank/ builfding society/ finance house/ other. then a yes/ no tick box, then the obligatory "If Yes give details section..... which is about 5cm by 2cm in size! ha.....

Then Are you in arrears with any existing loan/ mortgage/ hp agreement. yes/ no then "please give details".

It's the "please give details" bit that I hope to answer factually and directly.....

The more I look into this the more I think I am on a hiding to nothing....