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Where to get advice on debt problems | Immigration Matters

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Many migrants find the lure of easy credit on offer in the UK hard to resist and eventually get themselves into serious debt and even bankruptcy.

I have seen overseas nurses and senior carers run up debts of over £20,000 in loans and credit card expenditure.

UK banks and credit card companies have had a much looser lending policy than migrants would have experienced in almost any other country in the world.

In the past few years credit cards with huge limits have been thrown like confetti at virtually anybody regardless of their credit rating, income or existing commitments.

To a person who had never been given access to any credit it must have seemed like every day was Christmas day!

Mortgages of up to seven times annual salary and 125% of the property value were given to people with little track record.

Although banks have tightened up since the credit crunch woke them up to reality, this does not help those already in debt.

To make things worse, migrants often have even more pressing debts back home in their own country, with unscrupulous money lenders charging them interest rates at over 1000% per annum.

Where can you get independent advice?

The Debt Advice Trust is a UK registered not for profit organisation which exists to enable people in serious debt to get advice on various debt solutions ranging from Bankruptcy to an IVA (Individual Voluntary Arrangements), Debt Management Plans and more.

They provide a source of expert, honest and impartial advice about getting out of debt. Their fully trained Counsellors will help ensure you are provided with the best advice for your particular situation.

Civil or legal action against you may affect your application for visa extension or ILR, as a question related to this appears of immigration forms.

Finally, never use illegal money lenders and loan sharks – you will only get yourself deeper into debt.

If you need any immigration advice or help with Sponsorship or Work Permits, Visa or an appeal against a refusal please email:  or visit

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One Response to “Where to get advice on debt problems”
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  1. paulsallon says :

    I have been advising an ILR applicant who is my godson’ and who is currently working as a nurse, who is in just such a situation of debt, having taken out bank loans which he could not repay to the sum of 15,000 pounds, at an interest rate of 20% from a high street bank. The debt was being managed by voluntary contributions and there has not been any CCJ,s. The debt has now been settled to the satisfaction of the creditors at 50% of the original loan as a result of a formal complaint based on’ unethical lending practices’, and ‘not checking on the ‘temporary’ visa status of a ‘temporary’ work permit holder’ now seeking ILR, which i as his ‘godfather’ negotiated on his behalf. Given that there is still a history of debt on the credit reference data bases,and a ‘default’ is listed and will not be amended to the status of ‘satisfied’ at the time of the PEO interview, could this be a possible cause of a refusal of ILR based on ‘good character’. If so is an appeal likely to succeed.

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