Im new here

[Jay&Zobel]

I really appreciate your replies, but , with respect , what I really need to know for definite, is , Does the ECO at any stage of any future visas , do credit checks , If so this would show me to have defaults on credit rating and show that i am unable to pay bank interest , this would surely have a bearing on my ability to support my fiance or wife and would set our plans back 6 years notwithstanding a failed visa applicatioI would be grateful for any help in this matter

NO THEY DO NOT DO CREDIT CHECKS nor CHECK HOW MUCH LOAN YOU HAVE...
THEY ARE JUST INTERESTED OF WHAT IS IN YOUR CURRENT/SAVINGS ACCOUNT (6 mos latest statements)

[aromulus]

NO THEY DO NOT DO CREDIT CHECKS nor CHECK HOW MUCH LOAN YOU HAVE...
THEY ARE JUST INTERESTED OF WHAT IS IN YOUR CURRENT/SAVINGS ACCOUNT (6 mos latest statements)

I must have constructed a language barrier here....

Isn't that what I said before..?

Remind me to try in English next time......

[porky]

Thankyou "aromulus",
I do much appreciate the time you take to give me your advice ,Its a bi g step for me to make and need to be 100% certain of it .
its why i wait for futher response .kindest regards

[Jay&Zobel]

As far as I am aware, the ECO will only check the bank statements ( the last six months worth) and not do a credit check on Visa/Mastercards.
If you were to repay your credit cards through a different account, it wouldn't show on your regular bank account, from which you supply the statements, and thus avoid akward questions....

I really appreciate your replies, but , with respect , what I really need to know for definite, is , Does the ECO at any stage of any future visas , do credit checks , If so this would show me to have defaults on credit rating and show that i am unable to pay bank interest , this would surely have a bearing on my ability to support my fiance or wife and would set our plans back 6 years notwithstanding a failed visa applicatioI would be grateful for any help in this matter

NO THEY DO NOT DO CREDIT CHECKS nor CHECK HOW MUCH LOAN YOU HAVE...
THEY ARE JUST INTERESTED OF WHAT IS IN YOUR CURRENT/SAVINGS ACCOUNT (6 mos latest statements)

I must have constructed a language barrier here....

Isn't that what I said before..?

Remind me to try in English next time......

AAhh Zobel
GREAT!!

I been all week and felt like

Thankyou "aromulus",
I do much appreciate the time you take to give me your advice ,Its a bi g step for me to make and need to be 100% certain of it .
its why i wait for futher response .kindest regards

Porky... I have just simplified Aromulus' reply... ...

[porky]

i am just looking the other thread in help "how do i send money to the philippines"

If I consolidate my debt through debt management I wont be able to use credit cards to send visa fees ect

Does anyone know of any other means of sending money?

hehe without giving it to a friend of a friend

[aromulus]

i am just looking the other thread in help "how do i send money to the philippines"

If I consolidate my debt through debt management I wont be able to use credit cards to send visa fees ect

Does anyone know of any other means of sending money?

hehe without giving it to a friend of a friend

Provided you have retained a debit card, you can open a paypal account, through this, you can send money to anyone with a paypal account in the world.
https://registration.paypal.com/paypalLogin.do
But it would take a few days for disbursement into the banks.



Also you can use www.xoom.com in combination with paypal. This is much quicker, 1/2 days.

xoom if very flexible and allows you to send the money directly into a specific bank account, or have it delivered in cash directly to the person you name.
2 proofs of ID will be required on cash deliveries.

I have been using xoom for a number of years and apart from 1 instance, when the site was under maintenance, never had any problems.

[trader dave]

Having made 3 applicatioms already i am pretty sure they do not do a credit check as others have said 6 months bank statements and wage slips theres many ways to send money to the phils theres links on the site

best of luck