Please Help! Referencing issues....

[northernladuk]

Ahh. A fact it would have been good to post from the start. So the client had a process. You've got two choices. Follow it or not. It's not really for you to argue. They will have a risk profile based on factors unknown to us. It's nothing to do with how we work, it's how you fit in to their profile. It would be exactly the same for a permie that stays down in London during the week so nothing to do with contracting.

[VillageContractor]

If you want the job tell them, if you don't then I'm sure there is someone else willing to.

You shouldn't be surprised at the checks being done at a bank, they have to vet their staff and suppliers

[FrontEnder]

It sounds like they don't understand that you can work miles away from where you live. Just say you stayed in temporary accomodation Mon-Fri and returned home at wekends, if they ask for more, tell them.

[northernladuk]

It sounds like they don't understand that you can work miles away from where you live. Just say you stayed in temporary accomodation Mon-Fri and returned home at wekends, if they ask for more, tell them.

Sounds more like they do but it introduces risk so they have to ask.

[FrontEnder]

Sounds more like they do but it introduces risk so they have to ask.

Maybe. Who knows, but based on what the op said:

Apparently they wanted to know why I had no London address whilst contracting in London for 2 years

I think they're probably dealing with someone who hasn't seen this before, maybe they're new and haven't dealt with contractors before. So the question is *why*, so I'd just tell them

that is because I have been living away from home in London and then travelling back at weekends to the midlands.

If they then ask for more, then tell I'd them, but I highly doubt that their process is to get the details of temporary addresses/hotels for contractors when they have a permanent fixed address. There is nothing this information will give them, no further checks they can do, unless you registered to vote there or something.

[SueEllen]

The other issue that they have flagged is that there has been a feq gaps in my employment history and I have verified this with my bank statements but now they have come back to me to say that they want to know details of all credits over £100 going back to 2013!! Nevwr experienced this before...any advice? Why do they need to know details of this its very invasive and none of their business. Im not applying for a bloody mortgage!

Your bank statements should say where the credits came from e.g. employer, partner, company business account, sibling, parent etc. So just go through them and state that. Point out with family and friends' you can't remember the exact events for the irregular payments but it's for presents and events. The only issue you will have is with cheques but I doubt you have had a load of those in the last few years.

The person wants to know this is because they are too cheap to credit check you. I would ask them have they actually credit checked you?

[northernladuk]

Your bank statements should say where the credits came from e.g. employer, partner, company business account, sibling, parent etc. So just go through them and state that. Point out with family and friends' you can't remember the exact events for the irregular payments but it's for presents and events. The only issue you will have is with cheques but I doubt you have had a load of those in the last few years.

The person wants to know this is because they are too cheap to credit check you. I would ask them have they actually credit checked you?

Dunno about that. Credit check isn't going to show if you are money laundering or are begging from Peter to pay Paul and whatever other activities they might be interested in surely?