CREDIT CHECKS (ILR)

[TTYL]

Does UKBA run Credit Checks on ILR applicants via tier 1 general?
Will a CCJ for unpaid bills affect my application?

[sayome_now]

@TTYL

UKBA don't do credit check and CCJ would not affect your application but two things;
1. You need to show it as Civil Judgment on the form and
2. You need to show proof that you are paying it off or you have paid it off.

UKBA are not too precious about debt as long as it is not recklessly amassed and you are committed to paying off your debt.

8.6 Debt
8.6.1 Police enquiries, or other information, may suggest that an applicant is heavily in debt. Caseworkers should not use this as grounds for refusal if loan repayments have been made as agreed or if acceptable efforts are being made to pay off accumulated debts. But where an applicant deliberately and recklessly builds up debts and there is no evidence of a serious intention to pay them off, caseworkers should normally refuse the application.

[TTYL]

Thanks for this.
it was only £733, and i set up a payment plan and have been following through with it.

[TTYL]

Thanks for this.
it was only £733, and i set up a payment plan and have been following through with it.

[sayome_now]

@TTYL

It is highly essential for you to keep audit trail of your payments as that will be your proof that you are actually committed to paying it off. Once you have those proofs, I don't see you having any issue with ILR on CCJ basis.
Best of luck

[TTYL]

@TTYL

It is highly essential for you to keep audit trail of your payments as that will be your proof that you are actually committed to paying it off. Once you have those proofs, I don't see you having any issue with ILR on CCJ basis.
Best of luck

Thanks, my application went through. it was the smotthest operation ever.
No questions asked, nothing. 10mins at the counter and that was it. spent another 40mins waiting at the coffee shop and then I got called to pick up my doc.

I'm so relieved.

Thanks to everyone

[TTYL]

@TTYL

UKBA don't do credit check and CCJ would not affect your application but two things;
1. You need to show it as Civil Judgment on the form and
2. You need to show proof that you are paying it off or you have paid it off.

UKBA are not too precious about debt as long as it is not recklessly amassed and you are committed to paying off your debt.

8.6 Debt
8.6.1 Police enquiries, or other information, may suggest that an applicant is heavily in debt. Caseworkers should not use this as grounds for refusal if loan repayments have been made as agreed or if acceptable efforts are being made to pay off accumulated debts. But where an applicant deliberately and recklessly builds up debts and there is no evidence of a serious intention to pay them off, caseworkers should normally refuse the application.

Thanks, I declared the CCJ and specified that is was a civil court judgement for debt and not a criminal offense. allas, no questions asked. I think honesty is the word. Better to declare it than to be found withholding information

[sayome_now]

@TTYL

Congrats! Enjoy your freedom...

So, the CW didn't even ask for proof that you are paying? That is pretty nice, innit?

Congrats again