KC8010 wrote:also regarding the credit checks - what happens if you have defaults with various credit cards?
they are asking about financial products you have
defaulted accounts are terminated ones (you got default notice and termination notice) so you don't have them anylonger (they remain on your credit file for 6 years in the same way as any account you've closed in the past but are not "alive") hence you won't be asked about them
they do not do credit check - they do identity check (you can see it on your credit file), so any balances are not visible to them
remember, you are already BC, you just need to prove you are the person who applied for PP. If you fail it (because you forgot your address post code, you don't know your mothers date of birth, etc.), you will remain BC without PP, so do not worry just memorise ALL the details you put on your application form (including your countersignee details - his/her name, how do you know him/her, roughly age, etc.)