Administrations - Historical/Less than 6 years
Will we consider an application from a director whose company has previously entered administration? If so, what is the policy on this?
Administrations - Ongoing/Current
Will we consider an application from a director whose company is in administration? If so, what is the policy on this?
Arrangement to Pay - Historical
Will we accept an applicant who has historically been in An Arrangement to Pay? If so, what is the minimum period of time that has passed since any arrangements were registered?
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, the Lender 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, the Lender 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, the lender 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, the lender 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?
Defaults - More than 1
Will we consider an application from an applicant who has had a Default?
Defaults - Over £500
Will we, the Lender 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, the Lender 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, the Lender consider an application from an applicant who has defaults totalling less than £500?
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, the lender 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, the lender consider an application where the applicant is currently in an Individual Voluntary Arrangement? If so, what is the policy on this?
Liquidations - Historical/Less than 6 years
Will we consider an application from a director whose company has previously been liquidated? If so, what is the policy on this?
Liquidations - Ongoing/current
Will we consider an application from a director whose company is currently being liquidated? If so, what is the policy on this?
Maximum Number of Missed or Late Payments
What is the maximum number of missed/late payments in past 36 months?
Maximum Value of Missed or Late Payments
What is the maximum value of missed/late payments in past 36 months?
Missed or Late Payments
Will you, the Lender 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?
Receivership - Historical/Less than 6 years
Receivership- Ongoing/current
Rent Arrears
Will we consider an application where an Applicant has a history of Rent Arrears?
Repossession
Do we, the Lender accept applications where there has ever 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?
Worst Status on Credit Files
Do we take into account 'Worst Status' on credit files and if so, what is the worst status that we will accept?
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