Page 1 of 1
Can credit default affect Naturalisation?
Posted: Thu Jan 12, 2012 11:05 am
by jko
I was granted ILR in September 4, 2009 based on long residence (14yrs) after my application was with the home office for 3yr. I am due to apply for naturalisation in September, 2012. (My wife aquired her british citizenship in 2007) During the 3yrs that it took the home office to approved my application, I lost my job and was unable to pay my credit card bills because of this, I have default on my credit history.
Will the default affect my application for naturalisation when I apply in September?
Re: Can credit default affect Naturalisation?
Posted: Thu Jan 12, 2012 3:47 pm
by dezialien
jko wrote:I was granted ILR in September 4, 2009 based on long residence (14yrs) after my application was with the home office for 3yr. I am due to apply for naturalisation in September, 2012. (My wife aquired her british citizenship in 2007) During the 3yrs that it took the home office to approved my application, I lost my job and was unable to pay my credit card bills because of this, I have default on my credit history.
Will the default affect my application for naturalisation when I apply in September?
I am waiting for a response to the same. Hope someone knows the answer to this.
Posted: Thu Jan 12, 2012 8:25 pm
by perm55
I had default from 3 different credit cards from my study time... they were in my credit history however i got my naturalisation and british passport without having any problem. So do not worry about default.
Posted: Thu Jan 12, 2012 8:33 pm
by jko
perm55 wrote:I had default from 3 different credit cards from my study time... they were in my credit history however i got my naturalisation and british passport without having any problem. So do not worry about default.
Thanks for your reply. Did you get approval recently, or it was a long time ago? Because default comes off your credit history after six years.
Posted: Fri Jan 13, 2012 10:56 pm
by sonya24
Hi I had recently applied for my naturalisation I had few defaults on credit report but there was no problem I have got a British passport now so don't worry.
Posted: Fri Jan 20, 2012 12:14 pm
by HeartGambler
sonya24 wrote:Hi I had recently applied for my naturalisation I had few defaults on credit report but there was no problem I have got a British passport now so don't worry.
Could you please confirm if you declare these on the form
Posted: Fri Jan 20, 2012 12:47 pm
by sonya24
No because I didn't have any Ccjs there were some defaults only you dont need to declare that.
Posted: Fri Jan 20, 2012 11:01 pm
by damidamz
your gone be fine if you apply. home office don't check credit history so you don't need to declare it. i got default on my application and it was successful
Posted: Sun Jan 22, 2012 10:33 pm
by jko
[quote="sonya24"]No because I didn't have any Ccjs there were some defaults only you dont need to declare that.[/quote
Thanks Sonya24 for your reply. It put my mind to rest. I only have one default and no ccj. But because I am currently studying fulltime, the bursary is very small and money is tight, therefore I am unable to clear the debt. I should be able to send off my application in September,2012 then.