Inquiry Regarding ILR Application and Financial Situation

[shivarajpatel]

Dear Members,

I hope this message finds you well. I am reaching out to seek advice and insights regarding a potential concern related to my Indefinite Leave to Remain (ILR) application.

I am currently on track to become eligible for ILR in October 2025. However, due to recent circumstances, I lost my job and had to accept a lower-paying position. As a result, I find myself facing a significant debt of £14,000.

To address this financial challenge and improve my financial situation, I am considering enrolling in a debt management plan. This plan would allow me to reduce the interest rate on my debt and make more manageable monthly payments.

My primary concern is how participating in a debt management plan might impact my ILR application. Specifically, I am worried that immigration authorities may view this as a negative factor or question my financial stability, potentially affecting the outcome of my application.

I would greatly appreciate any insights, advice, or experiences that members of this forum may have regarding similar situations. Has anyone faced a similar scenario during their ILR application process? If so, how was it perceived by immigration authorities, and did it have any impact on the outcome of the application?

Additionally, if anyone has knowledge of relevant regulations, guidelines, or best practices in this regard, I would be grateful for any information you can provide.

Thank you in advance for your assistance and support. Your input will be invaluable in helping me make informed decisions and navigate this process effectively.

Best regards,
shivaraj

[zimba]

Debt is a civil issue and on its own should not have any effect on ILR at all. Certain debts like the 'Debt to the NHS' is treated differently.

This is covered under Part 9 of the immigration rules: https://www.gov.uk/guidance/immigration ... or-refusal