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Unpaid debts will effect for dependent visa?

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  1. #11

    Join Date
    Nov 2023
    Posts
    8
    Quote Originally Posted by chuckster007:
    Off course it will show up, even debt that is written off it will still show as outstanding.
    If the debt under consolidate•negotiations with the bank, still have chance or not ?

  2. #12

    Join Date
    Jun 2018
    Posts
    1,457

    TU records and credit rating will still be adversely impacted by the debt consolidation.

    Impossible for anyone to tell you what chance you have... if you haven't been upfront about past financial position in the application but now have reliable income and are settling your past mistakes in a structured and manageable way then prepare some documents to make that case and supplement your application. If it is still a mess then stay quiet and hope for the best.

    Immigration officers are just people applying a combination of basic rules (which i presume you have passed), plus judgements on the grey areas (incl. financial position, marriages of convenience) and substantial biases based mainly on brown-ness and nationality. Making judgements requires justification, so you have some power to influence the last two by giving them firm documentation to help support their decision.

    nimaide likes this.

  3. #13

    Join Date
    Nov 2023
    Posts
    8

    thanks u soo much for your advice, it made me live again, enthusiastic to fight and learn from past mistakes.

    Quote Originally Posted by Peaky:
    TU records and credit rating will still be adversely impacted by the debt consolidation.

    Impossible for anyone to tell you what chance you have... if you haven't been upfront about past financial position in the application but now have reliable income and are settling your past mistakes in a structured and manageable way then prepare some documents to make that case and supplement your application. If it is still a mess then stay quiet and hope for the best.

    Immigration officers are just people applying a combination of basic rules (which i presume you have passed), plus judgements on the grey areas (incl. financial position, marriages of convenience) and substantial biases based mainly on brown-ness and nationality. Making judgements requires justification, so you have some power to influence the last two by giving them firm documentation to help support their decision.

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