Permission to credit check?

Third Opinion

Third Opinion

Third Opinion

Soldato
Joined
3 Jun 2005
Posts
5,365
Location
West Sussex
I will try to keep this question as brief as possible.

Basically I got divorced last year after my ex rang off with a childhood sweetheart. To cut a long story short, during a stay in hospital after an operation my ex and her new partner emptied the bank accounts and maxed out my business credit cards. I got left with nothing, not even a home. It went to court, she got the lot and I got the debts. 2 months later she gave me the children back and has moved away I am not sure where.

My finances are in a serious situation due to the above. I am desperately trying to find a job as I am now fit enough to return to work.

Last week I got an interview for an education job which is my field. It has nothing to do with money and I would have no access to funding or financial matters. I was written too saying I had been short listed to the last two candidates. Later that day I had an informal call from a manager there saying I was considered the best candidate and expect a letter shortly.

To my surprise I got a letter this morning saying that I have been unsuccessful owning to my credit score.

Can they do this? I gave no permission to credit score me and I feel it is totally irrelevant to the position. Obviously I accept that I am unsuccessful and wouldn't challenge the decision.

But I am really getting worried now that this might be becoming common practice for interviews?
 
I believe they are meant to ask you....Was it a teachers job? only guessing now but if it was and you collect money of the kids for tuck or school trips etc they might of been worried you would take it your self

An if it has become common practice it would explain for people why loads of people are out of work as loads of people have bad credit these days
 
In the application process might they not have slipped in a question along the lines of "if successful I agree to a credit check being carried out" into the forms/disclaimers that you sign? I know that some companies have a policy of putting conditions in about checking up on you when you are completing the application process if you are the chosen applicant.

Sorry to hear about your situation, it sounds like you've been royally screwed over. Hope you can find something soon.
 
Im sorry to hear of that dude, i cannot beleive that the court let them get away with it, cause that's using your card without your authorisation and that is fraud, that just really shows you what the court system is like.

personally i don't think it's relevant that companies do credit checks, unless they only want to confirm your identity. if this was the case most people would be out of jobs. part of a job is to get yourself back on your feet into the living world.

i would call the company who you applied for and ask them on what basis you were unsuccessful, and ask them whether this states in their T&C's. if it does then not a lot you can do, but if it doesn't i would speak to CAB and see what steps you can take, i know that most companies now do criminal record checks.
 
My understanding is that anyone can run a check to verify identity, for example electoral role details, but you need to give permission for a financial check.

I'd check any forms you signed and returned, as semi-pro waster says there may have been some small print there.

Feel for you though, hope things works out (coming from a single father whose ex did something similar!!).
 
Sounds horrible and I am baffled as to why I hear stories about women doing this so often and how they get away with it in front of a court. I can't really understand why you'd have to be credit checked either.
 
Sorry to hear that, sounds like you've been shafted. IANAL, but if it smells like **** and looks like ****, it's probably ****. I'd investigate further, completely unreasonable IMHO
 
JBuk said:
Judging by the state of our justice system it would be him who'd end up getting sent down :p
Click to expand...

The other question is whether he provided evidence that she used his card, did he take statments into court, unfortunately any case which is in court is on evidence, if she maxed out his card then he must have let her use it in the past given her the pin number, on that basis the court would have said that he's partly responsible.

why do you think they say never trust a women with your credit card, cause they will burn a hole in your pocket.

on 1 occasion i let my partner use my card to get fuel and she made a joke that she spent more, thought it was funny. not untill i told her that i can't trust her using my card again.
 
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I know of a couple of jobs that require a credit check before you can be employed, but there is always a tick box to ask your permission, as it's required by law. You probably ok'd it by signing the job application, check through the forms.
 
platypus said:
I know of a couple of jobs that require a credit check before you can be employed, but there is always a tick box to ask your permission, as it's required by law. You probably ok'd it by signing the job application, check through the forms.
Click to expand...

the only places i can think of is banks, i remember doing a teleophone interview and they ask you a set of questions which you have 5 mins to answer, i was unsucessful i just laughed at them.
 
Third Opinion said:
I will try to keep this question as brief as possible.

Basically I got divorced last year after my ex rang off with a childhood sweetheart. To cut a long story short, during a stay in hospital after an operation my ex and her new partner emptied the bank accounts and maxed out my business credit cards. I got left with nothing, not even a home. It went to court, she got the lot and I got the debts. 2 months later she gave me the children back and has moved away I am not sure where.

My finances are in a serious situation due to the above. I am desperately trying to find a job as I am now fit enough to return to work.

Last week I got an interview for an education job which is my field. It has nothing to do with money and I would have no access to funding or financial matters. I was written too saying I had been short listed to the last two candidates. Later that day I had an informal call from a manager there saying I was considered the best candidate and expect a letter shortly.

To my surprise I got a letter this morning saying that I have been unsuccessful owning to my credit score.

Can they do this? I gave no permission to credit score me and I feel it is totally irrelevant to the position. Obviously I accept that I am unsuccessful and wouldn't challenge the decision.

But I am really getting worried now that this might be becoming common practice for interviews?
Click to expand...

Horrible of her, dont worry karma what goes around comes around,

Hopefully you find a job soon mate.
 
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