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CCj and Defaults

Archived UK Tier 1 (General) points system forum. This route no longer exists.

Moderators: Casa, archigabe, CR001, push, JAJ, ca.funke, Amber, zimba, vinny, Obie, EUsmileWEallsmile, batleykhan, meself2, geriatrix, John, ChetanOjha, Administrator

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naveen_hc
Newly Registered
Posts: 7
Joined: Tue Oct 04, 2011 6:28 pm

CCj and Defaults

Post by naveen_hc » Tue Oct 04, 2011 6:35 pm

I have couple of loans and credit cards which I'm not making any payments since June 2009.
I got my tier1 visa on oct 2009 and coming for the renewals in oct 2011.
I checked my credit report I have not got any CCj yet but all the accounts says defaulted except 2 bank accounts.
Can I apply for the renewals next year? will this credit problem going to make ant issues.
I would appreciate if any one can help me with this.
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Sushil-ACCA
Diamond Member
Posts: 1234
Joined: Wed Apr 02, 2008 2:47 pm
Location: Wembley Park

Re: CCj and Defaults

Post by Sushil-ACCA » Tue Oct 04, 2011 6:59 pm

naveen_hc wrote:I have couple of loans and credit cards which I'm not making any payments since June 2009.
I got my tier1 visa on oct 2009 and coming for the renewals in oct 2011.
I checked my credit report I have not got any CCj yet but all the accounts says defaulted except 2 bank accounts.
Can I apply for the renewals next year? will this credit problem going to make ant issues.
I would appreciate if any one can help me with this.
unless court cases r going on or a jugment passed against u otherwise u can apply

even in court cases u can mention yr situation to get relife from ho in extn
CDOKS
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naveen_hc
Newly Registered
Posts: 7
Joined: Tue Oct 04, 2011 6:28 pm

Post by naveen_hc » Wed Oct 05, 2011 5:37 pm

Thanks for the instant reply.
Can you please explain me in detail. Will the home office will check for defaults or ccj?
I have read some comments saying that they will not take these into account unless if it some thing to do with criminal.
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geriatrix
Moderator
Posts: 24755
Joined: Fri Mar 17, 2006 3:30 pm
Location: does it matter?
United Kingdom

Post by geriatrix » Wed Oct 05, 2011 6:23 pm

CCJ - you don't have any (yet), as you state.
Defaults - irrelevant to the application.
Life isn't fair, but you can be!
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naveen_hc
Newly Registered
Posts: 7
Joined: Tue Oct 04, 2011 6:28 pm

Post by naveen_hc » Mon Oct 10, 2011 4:36 pm

As far as I know I have not got any ccj. I checked my credit report only on last month.
Will this cause any problems to renew my visa. If there any where in the application they ask for ccj (civil) I know they do ask for criminal.
Will home office do any credit checks on my name. I know they might do a CRB check where I checked with the CRB they said they wont do credit check but they will do a police system check which is totally a difference system.
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