poor credit history

[canon123]

Hi gang,

Does a person with poor credit history (say with credit cards not paid ontime and some CCJ)

Does it affect the Tier1 extension or ILR in future??

Experts please advise

[innocentdevil]

Hi gang,

Does a person with poor credit history (say with credit cards not paid ontime and some CCJ)

Does it affect the Tier1 extension or ILR in future??

Experts please advise

No

[canon123]

Thanks InnocentDevil,

Do we need to declare that in the application form under criminal convictions??

[beecharmer1800bc]

Thanks InnocentDevil,

Do we need to declare that in the application form under criminal convictions??

Whattttttt??????


If poor credit history was a crime then half of all credit/store card holders in the country will be behind bars mate.

[canon123]

Thanks for your reply beecharmer.

What if the credit card holder could nt pay the money back?? What if a CCJ issued against his credit file?? Do we need to declare as a Conviction or not???

[canon123]

Could seniors please explain difference between a CCJ given on credit cards and normal Conviction in court?? Do we need to declare it in the application while applying or not??

please advise

[beecharmer1800bc]

Could seniors please explain difference between a CCJ given on credit cards and normal Conviction in court?? Do we need to declare it in the application while applying or not??

please advise

A County Court Justice is not a 'conviction' and does not carry a custodial sentence i.e being sent jail.

Even if you cannot repay your credit cards and file for bankruptcy that too is not a 'conviction'. It is purely a financial matter and it is not one for the criminal courts unless you are talking about say issues like fraud.

Pls google CCJs for more info

[canon123]

Thanks beecharmer