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Hi, I hope all is well. I am hoping for some guidance or answers to a few of my questions and worries about applying for naturalisation. I appreciate the information provided!

I have ILR. I have had this since 2005.
My visa went into my child passport. I now have an adult passport (South African) and the child passport with my visa in It.

Both my passports have expired and it's now time for me to apply for Naturalisation, but I have a few concerns:

I received a CCJ in 2014 for unpaid debt due to unforeseen circumstances. I have been making monthly payments towards the CCJ since 2014 and have been slowly increasing the amount to get rid of it.

Long story short I purchased a house in 2010 with my ex partner.
Our relationship ended and we agreed for her to stay there and cover all bills.
I found out in the last 2 weeks I received a CCJ (£2000) for leasehold arrears linked to the property she is staying at.
I was told by the solicitors dealing with the arrears that only a full payment would be accepted.
I am not in a position to make the payment but I was hoping to sort out a monthly payment with them.
To my surprise the solicitor told me the mortgage provider would cover the full amount if no payment is made (to protect the mortgage providers interest in the property).
So, as this CCJ would be paid within the next 2/3 weeks, how would my Naturalisation application stand with the case worker regarding my latest CCJ? It would be settled but not by myself, would this be seen as not making an effort to actively pay it off?

Any advice is much appreciated and sorry for the long story.

Although having CCJ's itself is not a reason for refusal. If you are paying the debt by instalments then it should not be an issue. With regards to other CCJ, you should speak with mortgage provider and ask them to pay within a month of it being registered. (If not already too late) in that case, 2nd CCJ won't be recorded on your credit file or elsewhere.

You can also send proof of payments with your naturalisation application if you wish to and also explain in 'further information' section of the form.

Hello,
Providing you have proof that you were making payments for this debt then it should not result in a refusal.
Regards

Thank you for the above replies. It's much appreciated.
I just wanted a little more information or guidance with my second CCJ. As this CCJ would be paid by my mortgage lender, could this be seen as me not trying to actively pay my debt?

Another out of topic question: if my application was refused (worse case scenario), would i get a refund or partial refund.

Thanks again for the replies.

Hi Casa, not sure what your post means. I think it means that you are unable to provide me with legal advice which is understandable.
Could I ask something related to my original question. Does it matter how old my CCJ'S are?

Jackwills wrote: ↑

Sun Sep 03, 2017 2:59 pm

Hi Casa, not sure what your post means. I think it means that you are unable to provide me with legal advice which is understandable.
Could I ask something related to my original question. Does it matter how old my CCJ'S are?

I have edited Casa's response to make what she posted more evident in RED next to your posts.

Thank you for your opinions even if they were not of use to me. I have received back my approved application within 5 weeks of applying for it.

Tata for now.

Jackwills wrote: ↑

Sun Dec 17, 2017 2:11 pm

Thank you for your opinions even if they were not of use to me.

Sorry you feel that way given that members took the time to post freely to offer advice!!