Will My UK Visa Application Be Hurt By My Previous Debt in the UK?


Dear Jon,

I did my MBA in London in 2014, I had a two years contract which I used for seven months, just before leaving I got another contract with a good deal. But, I was not happy to keep it, the next day I called my company if I can cancel it, they told me is not possible unless you don’t pay the amount. And after two days I left the country and it has been four years by now. Since last year I have been contacting both my mobile service provider and the financial company to clear my debts, however, they are not able to give me a clear option on how to pay the amount, they options they provide is not applicable in my country, despite many contacts I have not been able to get a clear answer on payment alternative.

I have been selected for a scholarship award funded by the UK government, I am going to appear for visa interview soon, I want to know whether my visa process will be affected by the problem stated above? I will be willing to clear it once I get to UK. I will also be applying for my spouse visa as well.




I believe I understand your concerns but have a few questions.

When you say “contract” what exactly do you mean, was it for a loan?

How much in total do you owe?

When you say “they are not able to give me a clear option on how to pay” do you mean there is currency exchange issues, or you cannot afford to set-up repayments? Technically they should accept any amount of payment you can afford to pay each month.

Once you return to the UK, will you set-up repayments at that time?

Owing money and having debts is usually not a part of the Visa process to enter and stay in the UK. Only criminal issues become a problem, and owing money alone is not a crime.

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Are you receiving a Visa to stay in the UK, and then a second spouse visa as well?

Who is sponsoring you or helping you with your Visa? You may wish to query this with them as well.

Get back to me, and we can look closer at this.




You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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