Lending criteria for CCJs, defaults and missed payments
Lending criteria
CCJs, defaults and missed payments
CCJ
- All CCJs must be satisfied
- 0 registered in the last 6 years
Defaults
- 0 registered in the last 6 years
Missed payments: (Secured, unsecured and mortgages)
- Secured loans: No more than 1 missed payment on 1 single account in the last 24 months.
- Unsecured credit: No more than 2 missed payments on 1 single account in the last 24 months. In addition to this, the latest recorded payment must have been made. Including:
- Communications
- Utility
- Fixed Term
- Mail Order.
Common-sense lending
We will consider cases that are outside of our lending policy in this area if you get in touch.
Relevant case studies
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