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Old 20.11.2013, 12:09
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Bad Credit History

Hi

I was living in Zurich in 2011-12 and left the country 18 months ago, unfortunately leaving behind a string of debts, running into several thousand CHF.

I had a couple of betreibung at the time as well...

Now this is not good as I would like to come back to Zurich to work.

The question is, first of all, will a bad credit history prevent me from working?
I tend to work for banks as a software developer and I know they will run a check.

I intend to be open and honest about this with any employer that makes an offer, and pay back the debts if and when the creditor comes chasing.

There are mitigating reasons why I incurred these debts to do with my divorce and not being able to sell my house in the UK for which I was still paying a mortgage while living in Switzerland. That may or may not count in my favour.

Thoughts anyone?

Any help appreciated...
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Old 20.11.2013, 12:25
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Re: Bad Credit History

end well, this will not
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Old 20.11.2013, 12:33
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Re: Bad Credit History

They'll get you at the border. It'll be astronomical as well. You can't come back to Switzerland.
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Old 20.11.2013, 12:40
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Re: Bad Credit History

I think your only hope will be to pay everything off in full, which to be honest you should be working torwards doing anyway. Even then there are no guaranties that you'll be welcomed with open arms, by that I mean issued with another permit.
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Old 20.11.2013, 12:52
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Re: Bad Credit History

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I think your only hope will be to pay everything off in full, which to be honest you should be working torwards doing anyway. Even then there are no guaranties that you'll be welcomed with open arms, by that I mean issued with another permit.
How does that work with the bilateral treaties? If he pays off the debts and comes from eg the UK don't they have to let him in?

Also I think there's some underestimating of the size these debts could have grown to.
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Old 20.11.2013, 12:55
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Re: Bad Credit History

Consult a lawyer.
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Old 20.11.2013, 13:05
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Re: Bad Credit History

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I intend to be open and honest about this with any employer that makes an offer, and pay back the debts if and when the creditor comes chasing.
So unless your creditors find out you are back, you don't intend to repay them, is that correct? You are not exactly improving your employers' reputation as being morally bankrupt are you?
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Old 20.11.2013, 13:06
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Re: Bad Credit History

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How does that work with the bilateral treaties? If he pays off the debts and comes from eg the UK don't they have to let him in?

Also I think there's some underestimating of the size these debts could have grown to.
Well getting in to Switzerland is not an issue. I live in Belgium and have been back to visit several times recently. There are no border checks.

That's not the problem obviously. Its getting a permit etc.

I do intend to get some legal advice on this if I can.
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Old 20.11.2013, 13:09
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Re: Bad Credit History

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Well getting in to Switzerland is not an issue. I live in Belgium and have been back to visit several times recently. There are no border checks.

That's not the problem obviously. Its getting a permit etc.

I do intend to get some legal advice on this if I can.
Well if you're driving in you're driving in. You need to contact the applicable Betreibungsamts and find out what your running total is. Lawyers won't be able to tell you that.
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Old 20.11.2013, 13:14
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Re: Bad Credit History

You would be allowed to enter,

the debtors would know very quickly that you are back as the system would show you as being here and the Betreibungsamt would be looking for you.

They might allow you a permit but probably only an L at first if you can convince them you will behave this time, paying off the debts on or before arrival would look good to them,

but lastly most banks expect their employees to have a clean debt register, as soon as they see yours, no job, Pharma as a rule does not care, maybe a change of employer type is in order

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Well getting in to Switzerland is not an issue. I live in Belgium and have been back to visit several times recently. There are no border checks.

That's not the problem obviously. Its getting a permit etc.

I do intend to get some legal advice on this if I can.
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Old 20.11.2013, 13:16
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Re: Bad Credit History

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Well getting in to Switzerland is not an issue. I live in Belgium and have been back to visit several times recently. There are no border checks.

That's not the problem obviously. Its getting a permit etc.

I do intend to get some legal advice on this if I can.
Exactly. You'll need to provide a police record that you have no criminal record so presumably that would be okay from the Belgian end of things. But I don't know if, as you were living here so recently, the Swiss would want a credit check done here too in which case any court orders against you for bad debt will show up. I think you'd better start reading here:

https://www.ch.ch/en/debt-enforcement-bankruptcy
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Old 20.11.2013, 13:27
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Re: Bad Credit History

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Hi

I was living in Zurich in 2011-12 and left the country 18 months ago, unfortunately leaving behind a string of debts, running into several thousand CHF.

I had a couple of betreibung at the time as well...

Now this is not good as I would like to come back to Zurich to work.

The question is, first of all, will a bad credit history prevent me from working?
I tend to work for banks as a software developer and I know they will run a check.

I intend to be open and honest about this with any employer that makes an offer, and pay back the debts if and when the creditor comes chasing.

There are mitigating reasons why I incurred these debts to do with my divorce and not being able to sell my house in the UK for which I was still paying a mortgage while living in Switzerland. That may or may not count in my favour.

Thoughts anyone?

Any help appreciated...
You're an idiot. You were working for a bank & you ask us what the consequences are for you coming back & working (probably) for a bank again
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Old 20.11.2013, 13:30
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Re: Bad Credit History

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Exactly. You'll need to provide a police record that you have no criminal record so presumably that would be okay from the Belgian end of things. But I don't know if, as you were living here so recently, the Swiss would want a credit check done here too in which case any court orders against you for bad debt will show up. I think you'd better start reading here:

https://www.ch.ch/en/debt-enforcement-bankruptcy
I don't have a police record so that's fine.

Thank you for this link.
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Old 20.11.2013, 13:34
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Re: Bad Credit History

I don't think it would be a problem for you to "get" the job. An employer do not normally ask for a credit record history. On the other hand, say a big goodbye for getting a flat. Credit history is a must when you submit an application for a flat.

I appreciate that you had a hard time and weren't able to keep up with your bills, can happen to anyone .. but the solution is not that you run off the country still owing money to people.

The way you say it sounds like you left Switzerland and apparently was not planning to pay your bills,so you didn't really care, but now that you have a reason to come back you want to fix it. Just curious and please answer me on that... what if you weren't offered a job in Switzerland? what would have happened to these debts?

Also be aware that credit history does not get wiped when you pay your debts, at least not immediately.
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Old 20.11.2013, 13:47
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Re: Bad Credit History

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I don't think it would be a problem for you to "get" the job. An employer do not normally ask for a credit record history. On the other hand, say a big goodbye for getting a flat. Credit history is a must when you submit an application for a flat.

I appreciate that you had a hard time and weren't able to keep up with your bills, can happen to anyone .. but the solution is not that you run off the country still owing money to people.

The way you say it sounds like you left Switzerland and apparently was not planning to pay your bills,so you didn't really care, but now that you have a reason to come back you want to fix it. Just curious and please answer me on that... what if you weren't offered a job in Switzerland? what would have happened to these debts?

Also be aware that credit history does not get wiped when you pay your debts, at least not immediately.
Credit history may not follow the OP, as long as he does not go back to the same village.
If he registers he can immediately get print out that should be clean.
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Old 20.11.2013, 13:59
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Re: Bad Credit History

I am fairly certain that it is only a matter of time for his credit history to pop up at his new place of residence. The question is more how long that would take.

1. You get registered at the Gemeinde or whatever amt

2. Per definition of that registration the local Betreibungsamt will have his record

3. The first check that gets run on new his name by the previously responsible Betreibungsamt, will yield a "yes we caught'm"

4. Since I assume more then 9 months have passed without them having had any contact, they will contact his employer, confiscate his monthly salaries, deduct what they legally can, and pass on to him the bare minimum that should allow him to get by.

The only way out of the conundrum is contacting the guy managing his debt today, and paying the debt back before getting a new job.

Anything less is just dishonest and stupid. But that's just me..
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Old 20.11.2013, 14:04
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Re: Bad Credit History

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I am fairly certain that it is only a matter of time for his credit history to pop up at his new place of residence. The question is more how long that would take.

1. You get registered at the Gemeinde or whatever amt

2. Per definition of that registration the local Betreibungsamt will have his record

3. The first check that gets run on new his name by the previously responsible Betreibungsamt, will yield a "yes we caught'm"

4. Since I assume more then 9 months have passed without them having had any contact, they will contact his employer, confiscate his monthly salaries, deduct what they legally can, and pass on to him the bare minimum that should allow him to get by.

The only way out of the conundrum is contacting the guy managing his debt today, and paying the debt back before getting a new job.

Anything less is just dishonest and stupid. But that's just me..
It's quite possible to contest debts, or even pay them off if you wish
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Old 20.11.2013, 14:04
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Re: Bad Credit History

Change your name!
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Old 20.11.2013, 14:06
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Re: Bad Credit History

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I don't think it would be a problem for you to "get" the job. An employer do not normally ask for a credit record history.
Employers in financial services sector ofen do. We had a case recently where someone could not be employed because of the credit history. This was an IT role in a large bank.
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Old 20.11.2013, 14:09
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Re: Bad Credit History

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Credit history may not follow the OP, as long as he does not go back to the same village.
If he registers he can immediately get print out that should be clean.
Yeah, that's true enough, but it's missing important detail. The village will indicate the amount of time that the extract covers, and when the employer sees that it's a matter of days, they'll ask for him to obtain extracts from his prior places of residence as well.

As a consultant with many FS clients, I go through this every few months. He's not going to escape it that easily.

And just to opine in a completely unasked for fashion: the OP isn't getting any sympathy from me for his situation. The wording of that first post leaves me hoping he doesn't get the job he wants, actually.
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