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Hi I have in total around 10000 pound debt of total of my all credit cards..and yes my credit score is very poor but I haven’t received any court letter or ccj from last 1 year ..I’m hoping to apply ILR next year..so will it affect my ILR application in future..honestly paying lots of money to home office and extension made my financial status this much poor and I’m still struggling ..so can you help me with any ideas if it really affect my application In future or not!!!

No unless you build debts recklessly and have no intention of paying them back , if you keep paying back regularly, it should not be a problem.

Romio7 wrote: ↑

Tue Aug 14, 2018 1:07 am

Hi I have in total around 10000 pound debt of total of my all credit cards..and yes my credit score is very poor but I haven’t received any court letter or ccj from last 1 year ..I’m hoping to apply ILR next year..so will it affect my ILR application in future..honestly paying lots of money to home office and extension made my financial status this much poor and I’m still struggling ..so can you help me with any ideas if it really affect my application In future or not!!!

as far as I know, as long as you don't have any CCJs or similar, you'll be fine

My all credit have gone default but haven’t received any ccj or court letter yet...as in credit report also it says only default no any ccj is there so..but planning to pay back soon in next month as soon as Im able to save extra money ..

I have only three credit card which has gone default from last 1 year..i don’t have loan so I guess I havent received any ccj letter or anything like that yet ..I have 10000debt all total of credit cards only and I’m job lesss now ..going bankruptcy definitely affects my application and doing IVA or similar thing ..I don’t have job So it’s not possible as well so !! I’m going to apply ILR application in next 6months..so will I be in trouble and my application might get affected because of default credit cards!!please I need serious advice thanks