basic disclosure Scotland for ILR

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 7:27 am

Hi Every one
Some one please confirm CCJ default payments(loan/credit card) will come disclosure Scotland 'basic' check or not.
If yes then will that effect ILR?
If you dont have CCJ in 'basic'disclosure Scotland check then this means that no CCJ on your name?

Please conform

Thanks
Kris

ceyes · Post by **ceyes** » Tue Jan 17, 2012 7:44 am

Why not try making a SAR from home office. use the link below.

http://www.ukba.homeoffice.gov.uk/navig ... onal-data/

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 7:54 am

Thanks ceyes for your fasr reply.But SRA will take days and i have to apply my ILR ASAP
I have chcked in my credit report and trust online.IN both i dont have any CCJ's.But if i get after my application then it may be a problem.I have to apply only by post as it is for 10 years ILR

Thanks & Regards
Sridhar

Post by **linkers** » Tue Jan 17, 2012 10:01 am

Get your report from Experian and also from Equifax to be on the safe side. If there is any CCJ against you, they will appear on your credit report.

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 10:07 am

Hi linkers
I have checked in Equifax and there are none at the movement.
But what if i get one after submission of application for 10 years ILR
will that cause any problems?

Thanks & Regards
Sridhar

imran22 · Post by **imran22** » Tue Jan 17, 2012 11:46 am

Krishna555 wrote:Hi linkers
I have checked in Equifax and there are none at the movement.
But what if i get one after submission of application for 10 years ILR
will that cause any problems?

Thanks & Regards
Sridhar

Are you expecting a CCJ?

I guess one would know in advance if they will get CCJ. It only happens if you don't make a payment to creditor and they go to the court.

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 11:58 am

Hi
I dont know whether I will get or not.hope not.how I will come to know there is going to be a CCJ

Post by **linkers** » Tue Jan 17, 2012 12:12 pm

You should have known it by now as you don’t get CCJ over night. If you owe money to a bank or someone, they normally chase you first and send you loads of letters. And if you don’t respond and don’t agree to pay the minimum amount, then they sometimes sell your loan to a debt collector which can take you to court for not paying it. (or sometimes the company can directly take you to court).

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 12:32 pm

HI
All those are very old like around 4 to 5 years old

Post by **linkers** » Tue Jan 17, 2012 1:14 pm

If they are 4 to 5 years old and are not on your credit report, then hopefully you should be fine.

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 1:28 pm

Payment defaults are still in credit file.\this will eb there for 6 years but there are no CCJ in credit file and in Trust online.

Post by **linkers** » Tue Jan 17, 2012 1:34 pm

That means the bank you owe money to never got that far

rosmary · Post by **rosmary** » Tue Jan 17, 2012 1:52 pm

linkers wrote:That means the bank you owe money to never got that far

Would bank default on credit file affects anyway?

If you have two or three old bank defaults and you stared paying them monthly?

Post by **linkers** » Tue Jan 17, 2012 2:12 pm

There should be no issue as long as it’s not a court judgement.

Court Information and other public records
Judgments are issued as a result of County or High Court action. If a Creditor/Claimant (the person looking to claim the money from you) is owed a sum of money by you they may raise a claim against you in either the County or High Court, for recovery of these monies. If the court agrees that the Creditor/Claimant is owed the money, then a Judgment will be granted by the court against the Individual (Defendant). The monetary value of this Judgment will be for the amount due and any associated costs. In Scotland similar judgments given in the Sheriffs Courts are called Decrees. Equifax receives this information from Registry Trust Ltd. Registry Trust Ltd is a non-profit making company, contracted by the Lord Chancellor, through the Ministry of Justice, to maintain the statutory public Register of Judgments, Orders and Fines covering courts in England and Wales. As well as holding public registers covering money Judgments/Decrees in Scotland, Isle of Man, Northern Ireland and Jersey, Registry Trust Ltd acts as a clearing house for Judgments registered in Eire. Details of all these Judgments/Decrees, and any subsequent amendments, are passed to the credit reference agencies for inclusion in their Reports.

Post by **linkers** » Tue Jan 17, 2012 2:14 pm

How long is this data kept on my Credit File?
This information is held on file for 6 years from the date of Judgment, even if it is satisfied/paid. However, if you satisfy or pay the outstanding amount within a month of the judgment being issued, it will not show on your credit report.

What can I do if I believe there is Court information which is registered incorrectly?
If you believe a County Court Judgment/Decree has been registered incorrectly, you should contact the relevant court directly.
Use the following links to find the contact information for the court that holds your record:
• England and Wales: http://www.courtservice.gov.uk
• Northern Ireland: http://www.courtsni.gov.uk/en-GB/AboutU ... Locations/
• Scotland: http://www.scotcourts.gov.uk

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 4:22 pm

[quote="Krishna555"]Thanks ceyes for your fasr reply.But SRA will take days and i have to apply my ILR ASAP
I have chcked in my credit report and trust online.IN both i dont have any CCJ's.But if i get after my application then it may be a problem.I have to apply only by post as it is for 10 years ILR

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 4:23 pm

imran22 wrote:
Krishna555 wrote:Hi linkers
I have checked in Equifax and there are none at the movement.
But what if i get one after submission of application for 10 years ILR
will that cause any problems?

Are you expecting a CCJ?

I guess one would know in advance if they will get CCJ. It only happens if you don't make a payment to creditor and they go to the court.

Krishna555 · Post by **Krishna555** » Tue Jan 17, 2012 4:23 pm

imran22 wrote:
Krishna555 wrote:Hi linkers
I have checked in Equifax and there are none at the movement.
But what if i get one after submission of application for 10 years ILR
will that cause any problems?

Are you expecting a CCJ?

I guess one would know in advance if they will get CCJ. It only happens if you don't make a payment to creditor and they go to the court.

fahadz1 · Post by **fahadz1** » Tue Jan 17, 2012 10:08 pm

ceyes wrote:Why not try making a SAR from home office. use the link below.

http://www.ukba.homeoffice.gov.uk/navig ... onal-data/

does any one have got SAR ? what information they provide. I mean do they provide

exit / entry from / arrival info as well ??

rosmary · Post by **rosmary** » Wed Jan 18, 2012 10:21 am

fahadz1 wrote:
ceyes wrote:Why not try making a SAR from home office. use the link below.

http://www.ukba.homeoffice.gov.uk/navig ... onal-data/
does any one have got SAR ? what information they provide. I mean do they provide

exit / entry from / arrival info as well ??

http://www.ukba.homeoffice.gov.uk/sitec ... chapter24/

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basic disclosure Scotland for ILR

basic disclosure Scotland for ILR