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• If an applicant has declared one small (under £300) CCJ/CD incurred within the last 3 years then, subject to other information being satisfactory, we may be able to pass him or her
• If the judgment is for more than £300 or there is more than one judgment, we will request a guarantor or we may decline the applicant
• If we discover an undisclosed CCJ/CD the applicant will be declined. (There may be scope for an appeal where the judgment has been satisfied – a certificate of satisfaction will be required.)
• If an individual had been declared bankrupt or has an IVA and has declared it, he/she will always require a guarantor
• If an individual has not declared a bankruptcy/IVA the applicant will be declined.

PLEASE NOTE THAT THERE MAY BE INFORMATION ON AN INDIVIDUAL'S CREDIT FILE THAT RELATES TO ANOTHER INDIVIDUAL WITH WHICH THERE IS A FINANCIAL CONNECTION. THIS INFORMATION MAY BE USED IN OUR DECISION MAKING.