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I had a nasty divorce a few years back and my ex wife (wife then) swiftly told the Home Office that we were no longer together after a short separation.
My right to stay in UK was based on our marriage and the Home office quickly contacted me for my "new grounds" for staying in the UK since we did not have children.
I was told to leave the UK but was able to reapply with my current wife (fiancee at the time).
It took a few years to get the right to stay and work in the UK approved based on my wife earning over the threshold and us having a lovely daughter.
I had paid off all debts owed by my ex wife (hers and joint) after the divorce but couldn't pay my own debts during this period.
I have been able to get defaults removed and CCJs set aside for my current wife with skills learnt from the forum but I personally have one default left ( 3 years ago) and CCJ ( 5 years ago) left on my credit file.
I have spotted some procedural errors, difference in claimed amounts, wrong default dates e.t.c that i would like to use to get my credit file repaired but i'll like to know if Immigration prevention me from working is grounds for removing defaults or CCJs?
Should i even mention this in my verbal or written communication with the DCAs?.
I don't mind paying part or full settlements but naturally want debts deleted rather than satisfied but don't know if to avoid mentioning the immigration issue to the DCAs or even at a CCJ set aside hearing.
I didn't get the Default letter and CCJ forms but there's a chance that my ex wife threw away some of my mail before i agreed to pay her debts off.
Can anyone clarify if i have mitigating circumstances? Or it's irrelevant since i didn't inform the Original creditors & DCAs of my immigration status at the earliest opportunity and haven't changed address in a decade.
My right to stay in UK was based on our marriage and the Home office quickly contacted me for my "new grounds" for staying in the UK since we did not have children.
I was told to leave the UK but was able to reapply with my current wife (fiancee at the time).
It took a few years to get the right to stay and work in the UK approved based on my wife earning over the threshold and us having a lovely daughter.
I had paid off all debts owed by my ex wife (hers and joint) after the divorce but couldn't pay my own debts during this period.
I have been able to get defaults removed and CCJs set aside for my current wife with skills learnt from the forum but I personally have one default left ( 3 years ago) and CCJ ( 5 years ago) left on my credit file.
I have spotted some procedural errors, difference in claimed amounts, wrong default dates e.t.c that i would like to use to get my credit file repaired but i'll like to know if Immigration prevention me from working is grounds for removing defaults or CCJs?
Should i even mention this in my verbal or written communication with the DCAs?.
I don't mind paying part or full settlements but naturally want debts deleted rather than satisfied but don't know if to avoid mentioning the immigration issue to the DCAs or even at a CCJ set aside hearing.
I didn't get the Default letter and CCJ forms but there's a chance that my ex wife threw away some of my mail before i agreed to pay her debts off.
Can anyone clarify if i have mitigating circumstances? Or it's irrelevant since i didn't inform the Original creditors & DCAs of my immigration status at the earliest opportunity and haven't changed address in a decade.
