CCJ and employment q
Discussion
Hi all
Some advice needed, I have a Job interview coming up for a large hight st bank in the IT dept, now i also have a CCJ on file from 2005, which is SATISFIED and was also obtained through no fault of my own, long story short.. my car insurance company failed to pay out to a third party after a claim, the third party eventually put a CCJ on my name, finally after a year of phone calls my insurance company satisfied the CCJ)
Any way i understand that by law banks cannot employ people with CCJ's.. now is this the case even if has been satisfied which is the case for me? would explaining that the CCJ wasnt my fault help at all or is it a simple case of if you have a CCJ then no job by law?
My credit rating aside from this is very good, i have never defaulted or missed payments on anything. I have no outstanding debts and a decent amount of savings
Thanks in advance for the help
Some advice needed, I have a Job interview coming up for a large hight st bank in the IT dept, now i also have a CCJ on file from 2005, which is SATISFIED and was also obtained through no fault of my own, long story short.. my car insurance company failed to pay out to a third party after a claim, the third party eventually put a CCJ on my name, finally after a year of phone calls my insurance company satisfied the CCJ)
Any way i understand that by law banks cannot employ people with CCJ's.. now is this the case even if has been satisfied which is the case for me? would explaining that the CCJ wasnt my fault help at all or is it a simple case of if you have a CCJ then no job by law?
My credit rating aside from this is very good, i have never defaulted or missed payments on anything. I have no outstanding debts and a decent amount of savings
Thanks in advance for the help
speed_nut_yn said:
Hi all
Some advice needed, I have a Job interview coming up for a large hight st bank in the IT dept, now i also have a CCJ on file from 2005, which is SATISFIED and was also obtained through no fault of my own, long story short.. my car insurance company failed to pay out to a third party after a claim, the third party eventually put a CCJ on my name, finally after a year of phone calls my insurance company satisfied the CCJ)
Any way i understand that by law banks cannot employ people with CCJ's.. now is this the case even if has been satisfied which is the case for me? would explaining that the CCJ wasnt my fault help at all or is it a simple case of if you have a CCJ then no job by law?
My credit rating aside from this is very good, i have never defaulted or missed payments on anything. I have no outstanding debts and a decent amount of savings
Thanks in advance for the help
It sounds as if you HAD a ccj against you, but you don't have one now. Put it this way, if it was credit you were applying for, a satisfied ccj wouldn't be a problem.Some advice needed, I have a Job interview coming up for a large hight st bank in the IT dept, now i also have a CCJ on file from 2005, which is SATISFIED and was also obtained through no fault of my own, long story short.. my car insurance company failed to pay out to a third party after a claim, the third party eventually put a CCJ on my name, finally after a year of phone calls my insurance company satisfied the CCJ)
Any way i understand that by law banks cannot employ people with CCJ's.. now is this the case even if has been satisfied which is the case for me? would explaining that the CCJ wasnt my fault help at all or is it a simple case of if you have a CCJ then no job by law?
My credit rating aside from this is very good, i have never defaulted or missed payments on anything. I have no outstanding debts and a decent amount of savings
Thanks in advance for the help
The only thing I would say, is make sure you inorm them from the outset.
Not all employers will do stringent credit checks (even though they say they do) and you may get caught out later down the line and end up with a sacking for gross misconduct (non disclosure o your CCJ) on your CV....
You may find that that they will accept it based on your explanation. Also, the CCJ will be droping of your record within the next 12 months or so......
Not all employers will do stringent credit checks (even though they say they do) and you may get caught out later down the line and end up with a sacking for gross misconduct (non disclosure o your CCJ) on your CV....
You may find that that they will accept it based on your explanation. Also, the CCJ will be droping of your record within the next 12 months or so......
I recently had to be credit scored for an FSA regulated position (not in IT for a bank, though) and it came back Amber as I did not declare a CCJ (I had no idea it had been issued I was abroad) they accepted my explanation but it was made clear that non-disclosure is worse than any CCJ or similar.
Be upfront, it can't hurt you any more than getting found out further down the line, can it?
Be upfront, it can't hurt you any more than getting found out further down the line, can it?
It may well be a problem but you have no real choice but to tell hem as already stated.
Please don't try the 'they put a CCJ against me' line.
In order to obtain a Judgement they will have had to issue proceedings through the Court. The Court will have notified you by post and given you 14 days to respond and a further 14 days to issue a defence if you wished to defend.
A hearing date is then set (whether you defend or not) and you would have been notified.
If you chose to ignore the Court notices and did not defend then the Judgement will have been given by default.
It is not the Claimant who 'puts a judgement on your name' it is the Court.
If you didn't receive notification or there was any genuine error in the process you can apply to the Court to have the judgement set aside.
You can't claim now that the insurance company should have dealt with it. YOU should have dealt with it appropriately at the time.
Let us know how you get on.
Please don't try the 'they put a CCJ against me' line.
In order to obtain a Judgement they will have had to issue proceedings through the Court. The Court will have notified you by post and given you 14 days to respond and a further 14 days to issue a defence if you wished to defend.
A hearing date is then set (whether you defend or not) and you would have been notified.
If you chose to ignore the Court notices and did not defend then the Judgement will have been given by default.
It is not the Claimant who 'puts a judgement on your name' it is the Court.
If you didn't receive notification or there was any genuine error in the process you can apply to the Court to have the judgement set aside.
You can't claim now that the insurance company should have dealt with it. YOU should have dealt with it appropriately at the time.
Let us know how you get on.
I do appreciate it was my own fault for not dealing with it correctly at the time.. no excuses for this i was just naive and at the time didn't understand CCJ's and how badly it could affect me, i was more concerned with the fact it was my insurance company who owed the money and basically forwarded any correspondence I received to them, when really it was my responsibility to deal with it, just hope a stupid mistake like that doesn't get in the way of getting a job I really want
Update guys...
Contacted one of the three credit reference agencys and the have said that they will remove the ccj from my report if I can get a letter from my insurance company admitting liability.
My insurance co have said yes they will do this for me so that's great news.
Didn't realise they could do this but apparently, insurance claims being delayed, leading to CCJ's is quite common, so they have provision for this.
Hopefully the other 2 credit agencys will do something similar, which will be happy days...
Contacted one of the three credit reference agencys and the have said that they will remove the ccj from my report if I can get a letter from my insurance company admitting liability.
My insurance co have said yes they will do this for me so that's great news.
Didn't realise they could do this but apparently, insurance claims being delayed, leading to CCJ's is quite common, so they have provision for this.
Hopefully the other 2 credit agencys will do something similar, which will be happy days...
Edited by speed_nut_yn on Thursday 25th November 14:12
speed_nut_yn said:
Update guys...
Contacted one of the three credit reference agencys and the have said that they will remove the ccj from my report if I can get a letter from my insurance company admitting liability.
My insurance co have said yes they will do this for me so that's great news.
Didn't realise they could do this but apparently, insurance claims being delayed, leading to CCJ's is quite common, so they have provision for this.
Hopefully the other 2 credit agencys will do something similar, which will be happy days...
That's good news and than you for the feedback as its interesting to know and may help others in the future.Contacted one of the three credit reference agencys and the have said that they will remove the ccj from my report if I can get a letter from my insurance company admitting liability.
My insurance co have said yes they will do this for me so that's great news.
Didn't realise they could do this but apparently, insurance claims being delayed, leading to CCJ's is quite common, so they have provision for this.
Hopefully the other 2 credit agencys will do something similar, which will be happy days...
Edited by speed_nut_yn on Thursday 25th November 14:12
You shouldn't worry. I have a CCJ (DVLA cock-up years ago) against my name, and have just recently moved jobs between two big banks, in a role where fiscal propriety is absolutely critical. I mentioned it to them as soon as they made me an offer (and were about to start their checks) , and they were fine with it.
The offences which are likely to cause problems are those which imply dishonesty. Something as minor as sneaking onto a train without a ticket could exclude you from the "fit and proper person" test, but other things tend not to matter.
The offences which are likely to cause problems are those which imply dishonesty. Something as minor as sneaking onto a train without a ticket could exclude you from the "fit and proper person" test, but other things tend not to matter.
Tyre Tread said:
It may well be a problem but you have no real choice but to tell hem as already stated.
Please don't try the 'they put a CCJ against me' line.
In order to obtain a Judgement they will have had to issue proceedings through the Court. The Court will have notified you by post and given you 14 days to respond and a further 14 days to issue a defence if you wished to defend.
A hearing date is then set (whether you defend or not) and you would have been notified.....
In theory, perhaps, but not always in practice. DVLA screwed up my SORN, and prosecuted me at the wrong address. Five years later, when I found out about the judgement, it was through my HR department who unearthed it.Please don't try the 'they put a CCJ against me' line.
In order to obtain a Judgement they will have had to issue proceedings through the Court. The Court will have notified you by post and given you 14 days to respond and a further 14 days to issue a defence if you wished to defend.
A hearing date is then set (whether you defend or not) and you would have been notified.....
NorthernBoy said:
Tyre Tread said:
It may well be a problem but you have no real choice but to tell hem as already stated.
Please don't try the 'they put a CCJ against me' line.
In order to obtain a Judgement they will have had to issue proceedings through the Court. The Court will have notified you by post and given you 14 days to respond and a further 14 days to issue a defence if you wished to defend.
A hearing date is then set (whether you defend or not) and you would have been notified.....
In theory, perhaps, but not always in practice. DVLA screwed up my SORN, and prosecuted me at the wrong address. Five years later, when I found out about the judgement, it was through my HR department who unearthed it.Please don't try the 'they put a CCJ against me' line.
In order to obtain a Judgement they will have had to issue proceedings through the Court. The Court will have notified you by post and given you 14 days to respond and a further 14 days to issue a defence if you wished to defend.
A hearing date is then set (whether you defend or not) and you would have been notified.....
It doesn't mean it would be set aside unless you could show a valid defence.
NorthernBoy said:
You shouldn't worry. I have a CCJ (DVLA cock-up years ago) against my name, and have just recently moved jobs between two big banks, in a role where fiscal propriety is absolutely critical. I mentioned it to them as soon as they made me an offer (and were about to start their checks) , and they were fine with it.
The offences which are likely to cause problems are those which imply dishonesty. Something as minor as sneaking onto a train without a ticket could exclude you from the "fit and proper person" test, but other things tend not to matter.
Thanks.. this does make me feel alot better.. I was concerned at first that CCJ means automatic rejection, however after researching on the web a few people have been in the same situation and aslong as you can explain it, it is usually ok.The offences which are likely to cause problems are those which imply dishonesty. Something as minor as sneaking onto a train without a ticket could exclude you from the "fit and proper person" test, but other things tend not to matter.
I am also SC cleared and I know when vetting they do checks on your financial history to ensure you are not a fraud risk, I managed to pass the vetting no problem, so hopefully this will also show that I am not a fraud risk
Further update guys..
I have had a response from 2 of the 3 agencys now (the two E's), and there does seem to be policy to remove RTA related CCJ's which are covered by insurance.
They don't remove the court record, just from their own reports / files, a little confusing as I was under the impression the agencies had to report what ever is showing on your court record... probably not the case then
Still awaiting a response from the 3rd agency (the one with the two CC's), but hopefully they will give the same response.
Hopefully this will help any others in the same situation as apparently it is a common occurrence.
I have had a response from 2 of the 3 agencys now (the two E's), and there does seem to be policy to remove RTA related CCJ's which are covered by insurance.
They don't remove the court record, just from their own reports / files, a little confusing as I was under the impression the agencies had to report what ever is showing on your court record... probably not the case then
Still awaiting a response from the 3rd agency (the one with the two CC's), but hopefully they will give the same response.
Hopefully this will help any others in the same situation as apparently it is a common occurrence.
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