Adverse Credit
Will we consider an application where there is Adverse Credit?
Bankruptcy / Sequestration - Discharged between 3 and 6 years
Will we consider an application where the applicant has historically been declared Bankrupt and whose Bankruptcy was discharged between 3 and 6 years ago?
Bankruptcy / Sequestration - Discharged less than 3 years
Will we consider an application where the applicant has historically been declared Bankrupt and whose Bankruptcy was discharged less than 3 years ago?
Bankruptcy / Sequestration - Discharged over 6 years
Will we consider an application where the applicant has historically been declared Bankrupt but whose Bankruptcy was discharged over 6 years ago?
Bankruptcy / Sequestration - Ongoing / Current
Will we consider an application where the applicant is currently in Bankruptcy / Sequestration?
County Court Judgements - More than One
Are we happy to consider an application from someone who has had 2 or more CCJ's?
County Court Judgements - More than £500
Will we consider an application from someone who has a history of CCJs totalling more than £500?
County Court Judgements - Registered in the last 3 years
Will we consider an application from someone who has had a CCJ registered in the last 3 years?
County Court Judgements - Registered over 3 years ago
Will we consider an application from someone who had a CCJ registered against them over 3 years ago?
County Court Judgements - Satisfied in the last 3 years
Will we consider an application from someone who has satisfied a CCJ in the past 3 years?
County Court Judgements - Satisfied over 3 years ago
Will the we consider an application from someone who satisfied a CCJ over 3 years ago?
County Court Judgements - Unsatisfied
Will we consider an application from someone who has an unsatisfied CCJ?
County Court Judgements - Up to £500
Will we consider an application from someone who has CCJs totalling up to £500?
Credit Card / Store Card / Mail Order Arrears
Will we consider an application where there has been any history of Arrears on a Credit Card or on any form of Revolving Credit (i.e. Store Cards, Catalogue Accounts, etc.?
Credit Repair for Adverse Credit
Do we have a "Credit Repair" product or policy to assist applicants with Adverse Credit? If so what are the details of this?
Debt Management Plan - Discharged between 3 and 6 years
Will we consider an application where the applicant has historically had a Debt Management Plan, but which was discharged between 3 and 6 years ago? If so, what is the policy on this?
Debt Management Plan - Discharged less than 3 years
Will we consider an application where the applicant has historically had a Debt Management Plan but which was discharged less than 3 years ago? If so, what is the policy on this?
Debt Management Plan - Discharged over 6 years
Will we consider an application where the applicant has historically had a Debt Management Plan, but which was discharged over 6 years ago? If so, what is the policy on this?
Debt Management Plan - Ongoing / Current
Will we consider an application where the applicant is currently in a Debt Management Plan? If so, what is the policy on this?
Debt Relief Order - Discharged between 3 and 6 years
Will we consider an application where the applicant has historically had a Debt Relief Order, but which was discharged between 3 and 6 years ago? If so, what is the policy on this?
Debt Relief Order - Discharged less than 3 years
Will we consider an application where the applicant has historically been subject to a Debt Relief Order which was discharged less than 3 years ago? If so, what is the policy on this?
Debt Relief Order - Discharged over 6 years
Will we consider an application where the applicant has historically had a Debt Relief Order, but which was discharged over 6 years ago? If so, what is the policy on this?
Debt Relief Order - Ongoing / Current
Will we consider an application where the applicant is currently subject to a Debt Relief Order? If so, what is the policy on this?
Debt to Income Ratio
Will we consider an application without a maximum Debt to Income Ratio?
Defaults - More than 1
Will we consider an application from an applicant who has had a Default?
Defaults - Over £500
Will we consider an application from an applicant who has had defaults totalling more than £500?
Defaults - Registered in the last 3 years
Will we consider an application from an applicant who has had a default registered in the last 3 years?
Defaults - Registered over 3 years ago
Will we consider an application from an applicant who had a default registered over 3 years ago?
Defaults - Satisfied in the last 3 years
Will we consider an application from an applicant who has satisfied a default in the last 3 years?
Defaults - Satisfied over 3 years ago
Will we consider an application from an applicant who satisfied a default over 3 years ago?
Defaults - Unsatisfied
Will we consider an application from an applicant who has any unsatisfied defaults?
Defaults - Up to £500
Will we consider an application from an applicant who has defaults totalling less than £500?
Gambling Debts
Will we consider an application where there is a history or evidence of Gambling or Gambling Debts?
In an Arrangement To Pay
Will we consider an application from an Applicant who is currently in an Arrangement to Pay with a Creditor?
Individual Voluntary Arrangement - Discharged between 3 and 6 years
Will we consider an application where the applicant has historically had an Individual Voluntary Arrangement, but which was discharged between 3 and 6 years ago? If so, what is the policy on this?
Individual Voluntary Arrangement - Discharged less than 3 years
Will we consider an application where the applicant has historically had an Individual Voluntary Arrangement but which was discharged less than 3 years ago? If so, what is the policy on this?
Individual Voluntary Arrangement - Discharged over 6 years
Will we consider an application where the applicant has historically had an Individual Voluntary Arrangement, but which was discharged over 6 years ago? If so, what is the policy on this?
Individual Voluntary Arrangement - Ongoing / Current
Will we consider an application where the applicant is currently in an Individual Voluntary Arrangement? If so, what is the policy on this?
Missed or Late Payments
Will we consider an application from an applicant who has had any Missed or Late Payments on a Credit Agreement?
Mobile Phone Arrears or Defaults
Will we consider an application from an applicant who has had any Arrears or Defaults with a Mobile Phone or Communications?
Mortgage or Secured Loan Arrears or Defaults
Will we consider an application from an applicant who has had any history of Arrears on either a Mortgage or on a Secured Loan?
Rent Arrears
Will we consider an application where an Applicant has a history of Rent Arrears?
Repossession
Do we accept applications where there has even been a Forced Repossession or Voluntary Possession from an applicant?
Unsecured Loan Arrears
Will we consider an application where there has been any history of any Arrears on an Unsecured Loan?
Utility Bills Missed or Late Payments
Will we consider an application where there has been any history of Missed or Late Payments or Arrears on Utility Bills?
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