Debt Management Explained

i am on a debt management plan i changed from the one i had as they wanted more money than i could afford i am?

on benefits i have applied to this call centre before they do a credit check do i tell them i am on it and say i am trying to get my credit sorted or leave it and see what happens or do i write a letter to explain with my application i want to be honest any advice please i know its maybe a silly question but i really need a job
can i have sensible answers please
or do i put a letter in with the applicaton to explain the situation as i have applied twice and no reply i know the job market is grim but i am trying to find something so i can offer more money to the plan
or what adivce would you give is it illegal for employers to turn you down for employment because your credit is bad i am honest and have never stolen from anyone or been involved in fraud

Hi rennickelizabe,

Do you live in the UK?

If so then firstly, you should take a look at the Debt Management company you are using.

If they are not a free debt management company, then you should contact the Consumer Credit Counselling Service on 0800 138 1111 because they don’t charge a fee for their services.

http://www.cccs.co.uk/Home.aspx

With regard to your job application to the call centre.

I would suggest that you do not mention your financial troubles at this stage. If you are offered an interview, and if they ask you directly, then perhaps you should tell them then, but I don’t think that you should say anything to them just yet.

In my time I have known of many many people working for call centres. Most of them had awful credit scores and were on some sort of money management scheme or other, and it didn’t seem to stop them from being employable.

I would try instead to focus on the benefits you can offer a company, such as your enthusiasm for work.

Hope this helps & good luck