Have to pass Credit Check before Contract Start?

**Ardesco** · 15 July 2005, 14:42

It is on your credit record for four years from the time that you paid off the amount in full. There is nothing you can do to change this (I got into problems a few years ago myself and am currently blacklisted until feb next year, fours years from the date I paid back the money that I owed) .

Has to be said that I really don't see how this affects the agency, you are not paying them they are paying you so what the hell do your personal finances have to do with anything ????

I would phone ask them why the hell they need to sift through your personal finances and ge them to give you a damn good reason, its none of thier business. I have never heard of this before and my credit problems have never affected any contracts I have done.

**Darren@UptonAccountants** · 18 July 2005, 07:58

Credit Checks

Is your contract in the financial services sector? If so, this is standard procedure and is part of their fraud prevention regulations....can be a bit of a pain in the backside but not much that can be done about it.

Would be a bit concerned that this wasn't raised by the agency before the offer was made.

**tim123** · 18 July 2005, 08:57

Is this a personal credit check or a company one?

tim

**IR35 Avoider** · 18 July 2005, 12:23

Neither of these happened in the UK, but...

A guy who helpled train me in my first job later went bankrupt - I'm not sure why. This was after he divorced and became a contractor (at the same company.) The company terminated his contract - as a matter of policy they didn't allow people with "dodgy" financial backgrounds to work for them.

My brother's first job out of school was working in a bank branch - he was told that if he ever so much as bounced a cheque (let alone left a debt unpaid) he would be sacked. (Mind you, unlike the UK, in many countries bouncing a cheque is a criminal offense, similar to fraud.)

**Mailman** · 18 July 2005, 15:48

Originally posted by IR35 Avoider

My brother's first job out of school was working in a bank branch - he was told that if he ever so much as bounced a cheque (let alone left a debt unpaid) he would be sacked. (Mind you, unlike the UK, in many countries bouncing a cheque is a criminal offense, similar to fraud.)

What countries is bouncing a cheque illegal? Sounds a bit like hogwash to me mate.

Mailman

**Crown Royal** · 18 July 2005, 18:10

Bouncing a cheque

France - it is illegal to have your cheque bounced - basically it's simply a law that states that it is illegal to write a cheque when you don't have sufficient funds in the account.

**bradkb** · 18 July 2005, 18:20

I believe it is a personal credit check, havent heard anything back yet, should have heard something today. The contract is for a major bank, just feel like I am stuck in limbo at the mo, its a job I could do with my eyes closed, but because of some policy set its holding this up, the Project manager was dead keen for me to start asap, and now this.... ggggrrrrrr

**tim123** · 18 July 2005, 19:54

so why did you personally (instead of a limited company) buy several servers on credit?

Just interested (assuming that this was how it happened)

tim

**IR35 Avoider** · 18 July 2005, 20:30

Originally posted by Mailman

What countries is bouncing a cheque illegal? Sounds a bit like hogwash to me mate.

Mailman

In the USA is is illegal to deliberately bounce a cheque.

(I also had a couple of other countries in mind, apart from France, but have been unabled to confirm with a quick google.)

It looks like it's also illegal in India.

Have to pass Credit Check before Contract Start?