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ccj is basically not court conviction in terms of criminality. However you will not have good credit history. Your name must be with all lending agencies. So I suggest that either you resolve it and get your name cleared. You do not need any time to spend this conviction. It may not affect your ILR but if you declare and this ccj is still valid, it may create problemjudgement780 wrote:Hi,
i am applying for ILR through 10 years long residency route, but i have a County Court Judgement against me regarding an unpaid credit card debt, which was issued last year, i did not reply to this judgement and also the company which took the judgement against me did not communicate afterwards. I am bit concerned to know am i still eligible to apply ILR , and do i need to mention this CCJ in my application.
please could any one guide me.
thank you
Dear Thanks for a prompt replykhalidmirza wrote:ccj is basically not court conviction in terms of criminality. However you will not have good credit history. Your name must be with all lending agencies. So I suggest that either you resolve it and get your name cleared. You do not need any time to spend this conviction. It may not affect your ILR but if you declare and this ccj is still valid, it may create problemjudgement780 wrote:Hi,
i am applying for ILR through 10 years long residency route, but i have a County Court Judgement against me regarding an unpaid credit card debt, which was issued last year, i did not reply to this judgement and also the company which took the judgement against me did not communicate afterwards. I am bit concerned to know am i still eligible to apply ILR , and do i need to mention this CCJ in my application.
please could any one guide me.
thank you
why do you not request for instalments for payment. It is my firm belief that sooner or later you have to clear it. If instalments allowed as I am confident, then declare it and explain. I am not really sure that how case worker will resolve it. If you do not declare it is a bigger offence and falls for general ground for refusalsjudgement780 wrote:Dear Thanks for a prompt replykhalidmirza wrote:ccj is basically not court conviction in terms of criminality. However you will not have good credit history. Your name must be with all lending agencies. So I suggest that either you resolve it and get your name cleared. You do not need any time to spend this conviction. It may not affect your ILR but if you declare and this ccj is still valid, it may create problemjudgement780 wrote:Hi,
i am applying for ILR through 10 years long residency route, but i have a County Court Judgement against me regarding an unpaid credit card debt, which was issued last year, i did not reply to this judgement and also the company which took the judgement against me did not communicate afterwards. I am bit concerned to know am i still eligible to apply ILR , and do i need to mention this CCJ in my application.
please could any one guide me.
thank you
Since that CCJ is issued, i did not receive any further communication from either the court or the credit card company, and the matter is still unresolved, problem is i do not have sufficient money to pay off that CCJ, can you please tell me if i declare this CCJ, what problems can it make, as i have no idea what can happen, if i declare this at this stage.
thanks
Do they always check whether the applicant has the CCJ's or not, regardless of the fact that applicant mention in his application or not, and yes your advice looks very solid that i should request for installments, but i am not sure that after one year what is the exact situation of the CCJ's , i need to contact them for the up to date situation,khalidmirza wrote:why do you not request for instalments for payment. It is my firm belief that sooner or later you have to clear it. If instalments allowed as I am confident, then declare it and explain. I am not really sure that how case worker will resolve it. If you do not declare it is a bigger offence and falls for general ground for refusalsjudgement780 wrote:Dear Thanks for a prompt replykhalidmirza wrote:ccj is basically not court conviction in terms of criminality. However you will not have good credit history. Your name must be with all lending agencies. So I suggest that either you resolve it and get your name cleared. You do not need any time to spend this conviction. It may not affect your ILR but if you declare and this ccj is still valid, it may create problemjudgement780 wrote:Hi,
i am applying for ILR through 10 years long residency route, but i have a County Court Judgement against me regarding an unpaid credit card debt, which was issued last year, i did not reply to this judgement and also the company which took the judgement against me did not communicate afterwards. I am bit concerned to know am i still eligible to apply ILR , and do i need to mention this CCJ in my application.
please could any one guide me.
thank you
Since that CCJ is issued, i did not receive any further communication from either the court or the credit card company, and the matter is still unresolved, problem is i do not have sufficient money to pay off that CCJ, can you please tell me if i declare this CCJ, what problems can it make, as i have no idea what can happen, if i declare this at this stage.
thanks