Defaulted loan - FBI check

[roombarob 0]

If you default on a uk loan or credit card and it goes on your record, or even court (I dont know how those things work), can you be denied citizenship because of the FBI check or 'moral person' requirement?

[ladybutterfly 0]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

[roombarob 0]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

But what about the person of good moral, could defaulting on a loan be construde as such?

[meauxna 15]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

But what about the person of good moral, could defaulting on a loan be construde as such?

I think that is a very intersting question!

[desert_fox 32]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

But what about the person of good moral, could defaulting on a loan be construde as such?

No...you are not moral if you borrow money with no intent of repaying. What you would be is a deadbeat.

Being a deadbeat is not a crime, but you have to live with yourself.

[ladybutterfly 0]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

But what about the person of good moral, could defaulting on a loan be construde as such?

No...you are not moral if you borrow money with no intent of repaying. What you would be is a deadbeat.

Being a deadbeat is not a crime, but you have to live with yourself.

Hold on a minute! Thats a bit harsh to say that. Most people borrow money with every intention of paying it off, but circumstances and life sometimes change! I had a loan and a credit card which I left unpaid back in the UK and when I took them out 2-3 years ago I had every intention of paying it off, and which I did so on a monthly basis up until I moved to the USA. I didnt know back then that I was gonna meet my future husband and he happened to live in another country. The US government doesnt make it easy either to pay off debts from other countries when you move here and are not even allowed to work for months on end! Being moral and having good morals doesnt come into it im afraid, do you think the credit card companies have good morals when they charge you $30 for paying a few days late?!?

[desert_fox 32]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

But what about the person of good moral, could defaulting on a loan be construde as such?

No...you are not moral if you borrow money with no intent of repaying. What you would be is a deadbeat.

Being a deadbeat is not a crime, but you have to live with yourself.

Hold on a minute! Thats a bit harsh to say that. Most people borrow money with every intention of paying it off, but circumstances and life sometimes change! I had a loan and a credit card which I left unpaid back in the UK and when I took them out 2-3 years ago I had every intention of paying it off, and which I did so on a monthly basis up until I moved to the USA. I didnt know back then that I was gonna meet my future husband and he happened to live in another country. The US government doesnt make it easy either to pay off debts from other countries when you move here and are not even allowed to work for months on end! Being moral and having good morals doesnt come into it im afraid, do you think the credit card companies have good morals when they charge you $30 for paying a few days late?!?

Many many ppl here have made arrangements to pay their foreign debt. Because you met someone that lives in a foreign country is not an acceptable excuse for not repaying money borrowed in good faith.

They should charge you more if you dont pay your monthly installments.

I hope it all catched up with you and comes back and bites you in the A$$ when you try to qualify for a home loan some day and the bank checks out your foreign credit.

[munchkins 0]

If you default on a uk loan or credit card and it goes on your record, or even court (I dont know how those things work), can you be denied citizenship because of the FBI check or 'moral person' requirement?

And also to be bourne in mind is that if you apply for credit or a mortgage in the states, they can do an International credit check on you and this would show.

Also to leave debt behind in the UK , (even IF no check is done on you in the STates) does impact on the people who move into the residence you have occupied as that address will then have become "blacklisted" as having unpaid loans and possible judgements, and will affect the people who follow after you. Not very nice that. Even though they can apply to have it checked out it will cost those people money!!!

[roombarob 0]

Debt is not a crime and not paying back debts or defaulting on them has no relevance to the FBI check, dont worry, you are fine.

But what about the person of good moral, could defaulting on a loan be construde as such?

No...you are not moral if you borrow money with no intent of repaying. What you would be is a deadbeat.

Being a deadbeat is not a crime, but you have to live with yourself.

There is already a thread where idiotic posts can be made. This isn't your opportunity to get on your soap box, it was merely a hypothetical question.

Oh, and why we are at it, lenders often act immoral, like overlending or jacking up interest rates and leaving a borrower in a position of not being able to pay.

There is a night and day of difference between a les a faire attitude toward writing off debt, and not being in a position to service your loan. Sorry you lack the capacity to understand that, but I wont label you a deadbeat due to your intellect.

I asked a question, thank you for the responses to THAT question.

[desert_fox 32]

There is already a thread where idiotic posts can be made. This isn't your opportunity to get on your soap box, it was merely a hypothetical question.

Oh, and why we are at it, lenders often act immoral, like overlending or jacking up interest rates and leaving a borrower in a position of not being able to pay.

There is a night and day of difference between a les a faire attitude toward writing off debt, and not being in a position to service your loan. Sorry you lack the capacity to understand that, but I wont label you a deadbeat due to your intellect.

I asked a question, thank you for the responses to THAT question.

They jack up interest rates because they know that there are deadbeats out there that will not repay their loans, and they need to recover their losses. Its like making other ppl pay for your lack of being a responsible person.

[Lilith** 0]

Also to leave debt behind in the UK , (even IF no check is done on you in the STates) does impact on the people who move into the residence you have occupied as that address will then have become "blacklisted" as having unpaid loans and possible judgements, and will affect the people who follow after you. Not very nice that. Even though they can apply to have it checked out it will cost those people money!!!

This, I believe not to be strictly true, Munchkins.....an address cannot become 'blacklisted' due to previous occupants unpaid loans etc.....credit ratings are based on the person and not the address. However, there may be certain problems with companies such as British Telecom or other utilities requesting deposits if that particular address has a poor payment record. Anyway, somewhat off topic. I have no comment on the morals of not paying debt.....that is a personal issue between yourself and conscience....but do advise anyone to research the possible ramifications of NOT repaying debt before making decisions not to....but no, it is not grounds for refusual for visas or citizenship.....yet.

[roombarob 0]

There is already a thread where idiotic posts can be made. This isn't your opportunity to get on your soap box, it was merely a hypothetical question.

Oh, and why we are at it, lenders often act immoral, like overlending or jacking up interest rates and leaving a borrower in a position of not being able to pay.

There is a night and day of difference between a les a faire attitude toward writing off debt, and not being in a position to service your loan. Sorry you lack the capacity to understand that, but I wont label you a deadbeat due to your intellect.

I asked a question, thank you for the responses to THAT question.

They jack up interest rates because they know that there are deadbeats out there that will not repay their loans, and they need to recover their losses. Its like making other ppl pay for your lack of being a responsible person.

Again, you're clueless of how credit works. I will give you an example. An loan aligned with your mortgage (whether secured or unsecure) at say 6% can be increased to 12% if you pay off the mortgage its aligned too. Yes you signed up to that, but circumstance changes, like meeting someone overseas where you have to sell your home.

So should the lender be understanding when you contact them and allow you to maintain payments at 6% (a decent return on their money) or should they ignore your requests and increase it to 12% because they can, despite the borrower not being able to make the new increased payment amount?

Has absolutely nothing to do with deadbeats, which, is a term you use too much without knowing its real meaning.

[Lilith** 0]

There is already a thread where idiotic posts can be made. This isn't your opportunity to get on your soap box, it was merely a hypothetical question.

Oh, and why we are at it, lenders often act immoral, like overlending or jacking up interest rates and leaving a borrower in a position of not being able to pay.

There is a night and day of difference between a les a faire attitude toward writing off debt, and not being in a position to service your loan. Sorry you lack the capacity to understand that, but I wont label you a deadbeat due to your intellect.

I asked a question, thank you for the responses to THAT question.

They jack up interest rates because they know that there are deadbeats out there that will not repay their loans, and they need to recover their losses. Its like making other ppl pay for your lack of being a responsible person.

Again, you're clueless of how credit works. I will give you an example. An loan aligned with your mortgage (whether secured or unsecure) at say 6% can be increased to 12% if you pay off the mortgage its aligned too. Yes you signed up to that, but circumstance changes, like meeting someone overseas where you have to sell your home.

So should the lender be understanding when you contact them and allow you to maintain payments at 6% (a decent return on their money) or should they ignore your requests and increase it to 12% because they can, despite the borrower not being able to make the new increased payment amount?

Has absolutely nothing to do with deadbeats, which, is a term you use too much without knowing its real meaning.

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Roombarob........

You asked a question and it has been answered.....don't spend your time feeling insulted by Desert_Fox, if he feels more at ease making judgements about a stranger than offering facts thats his problem and not yours.

Edited February 14, 2006 by Lilith**

[ladybutterfly 0]

My lord! All this guy did was ask a question and yet again people have to start judging and name calling. There is totally no need for it.

[roombarob 0]

Sorry.