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  • #1

    working in FS

    Hello

    Does anyone know what level of debt / historic debt a high street bank would accept when completing pre - employment checks

    Thanks
    Tags: agency, associates, bank, banking, bankruptcy, banks, barclays, brokerage, ccj, con, consumer, contract, cras, credit, credit cards, debt, debts, defaulted, defaults, demands, employee, employment, financial, fine, free, government, job, jobs, licenses, life, mbna, missed payments, money, mortgage, niddy, payments, phone, rac, santander, staff, taxpayer, threat, unenforceable, work, working
  • #2
    Re: working in FS

    Originally posted by DEBTFREE1DAY View Post
    Hello

    Does anyone know what level of debt / historic debt a high street bank would accept when completing pre - employment checks

    Thanks
    I can't recall the thread, although believe someone posted about just starting working for a high street bank with some blemishes to their credit rating. Anything they plan on doing as a condition of your employment should be in any offer mate. Good luck!
    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #3
      Re: working in FS

      You're looking for Kilasuit - he got a job with Barclays quite recently. Post here --> Kilasuits Diary (debt free and life improvements) - Page 7 - allaboutFORUMS

      However that was an apprentice - most front line jobs are credit searched.
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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      • #4
        Re: working in FS

        Crooks they all work for Bank near the top!
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: working in FS

          NID - Thanks, do you think that's true for contractors too?

          Cheers

          Comment

          • #6
            Re: working in FS

            Originally posted by DEBTFREE1DAY View Post
            NID - Thanks, do you think that's true for contractors too?

            Cheers
            Yes they will still search you, ask Oscar - I think he knows about this - I'll refer him here to explain...

            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #7
              Re: working in FS

              Hi,

              Very much depends on the bank unfortunately. For instance, where I work now, contractors are fine to have a stuffed up Credit File - I have including defaults. Permanent staff however is a different story. I am aware of one person who worked there 6 months contractor, gained a Perm role, and was escorted off site in the first week.

              M&S Money however EVERYONE has to have a virtually unblemished credit file - I think you can have three or so missed payments (and they search 6 years) - providing they are not too recent.

              MBNA is another one that demands an almost perfet credit file.

              Some high street banks can be harsh - Santander spring to mind (although this was a direct application)
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #8
                Re: working in FS

                Originally posted by DEBTFREE1DAY View Post
                Does anyone know what level of debt / historic debt a high street bank would accept when completing pre - employment checks
                Billions, if it's owed to the taxpayer.

                Comment

                • #9
                  Re: working in FS

                  Originally posted by DEBTFREE1DAY View Post
                  NID - Thanks, do you think that's true for contractors too?
                  That might depend on what is contracting and if it might expand in warmer weather.

                  Comment

                  • #10
                    Re: working in FS

                    Thinking further, I suppose it would also depend on which credit file they search if only one.

                    Also, not all places report to all three CRAs, and then some debts dont appear at all - one of mine didnt till I defaulted (that judge in McGuffick saw to that - twat)
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #11
                      Re: working in FS

                      Oscar

                      thank you so much. I have sent you a PM as I don't want to compromise any anonymity for either of us

                      Hope this is ok

                      thanks

                      Comment

                      • #12
                        Re: working in FS

                        Thats no problem DF - thanks.

                        The company you have mentioned to me, so far as high street banking go, can be strict. I am not too sure about their other areas.

                        I am also unsure of their stance on your method of employment - direct or Agency etc - as I said, with some (M&S, MBNA) it makes no odds - it seems to with other banks, and they will employ you as agency, contractor - go figure

                        The company you mention I know will also search both the main agencies.

                        Without having worked with them, although I did apply, i couldnt say for definite - my aplication didnt get as far as the credit check
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                        • #13
                          Re: working in FS

                          that's very useful to know

                          just one final question do we know what they will deem success/failure?

                          so for example if I have defaults but everyone of them now has a zero balance (it doesn't - I said IF) would they say that shows I am no longer in debt and as such I am allowed in, or would they say inability to maintain control of finances makes me a bad risk and leave me out...?

                          Thanks

                          Comment

                          • #14
                            Re: working in FS

                            Again, very much depends on the company. I know some accept fully paid defaults - but they have to be just that. I am aware of ONE other (there may be more) that still see the default as a bad thing, paid or not.

                            Its a bit shit really that companies can judge your ability to do a job on the basis that you may have previously had financial difficulties (ironically in most cases BECAUSE you didnt have a job)
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #15
                              Re: working in FS

                              Can you tell me the bank name? I know a lot of their processes....

                              You never know
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

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