Will having a ccj stop me getting in the army.

Discussion in 'Finance, Property, Law' started by SA80, Oct 18, 2005.

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  1. Hi, i was just wondering will having a CCJ against me affect my chances of getting into the army? I've gone through all the interviews etc in the application process and was about to get a date to attend RCS but now they have been defered untill july 2006. I broke my leg at the start of the year and have only just gone back to work and now all the insurance payments have stopped for my injury everyone wants their money NOW and if they don't get it their thretening me with default notices and CCJ's. As usual they are not willing to listen to reason and just keep repeating the same old crap. If its not going to affect my application i'm tempted to let them hit me with the CCJ, atleast it get them off my back.
     
  2. Speak to the Recruitment Team, or get amate to speak to them, by doing that they won't know its you.... I would think it would depend on the job you happen to be going for? I belive CCJ's can cause issues when it comes to "higher" levels of security clearence?
     
  3. Cool, thanks for that, i'll get onto the careers office i think and ask them (or as you suggested get a mate to do it). I'm going in for tank crewman, shouldn't think it should be a problem.
     
  4. oldbaldy

    oldbaldy LE Moderator Good Egg (charities)
    1. Battlefield Tours

    Far better you sort out your debts before you get a CCJ.
    Write to each of your creditors & tell them the situation & make an offer of a weekly/monthly payment that you can afford or give your local CAB a call & speak to their money adviser. Then when your time comes, no CCJ.
     
  5. Offer them £10 a month.

    They are obliged to accept any reasonable offer, no matter what they say.

    If they send you court paperwork for County Court, respond by requesting the courts move the hearing to your local county court, turn up at the hearing and tell the Court that you have offered payment terms to the best of your ability.

    Debt collection agencies rely entirely on intimidation to achieve their goals

    Also insist now that all interest charges are suspended whilst you try and resolve your financial problems.

    Firstly remember that its your life, don't let finance companies dictate to you. Make it perfectly clear that you can either co-operate with each other to solve the problem or if they continue to take their current approach the only possible outcome will be that they receive absolutely nothing.

    To be honest under the circumstances, if you contested the CCJ in court you stand a fair chance of winning......
     
  6. ViroBono

    ViroBono LE Moderator

    Have a look at National Debtline - the site has lots of good advice about dealing with debt and creditors, and has examples of letters you can use. You could also visit your local Citizens Advice Bureau; they can help you deal with the situation, and may contact creditors on your behalf - this often helps with pushy creditors.

    Whilst many creditors threaten proceedings in the County Court (which results in a CCJ), the Civil Procedure Rules require creditors to use Court as a last resort, and will expect reasonable offers to be accepted. In addition, creditors and collection agencies are bound by the Office of Fair Trading guidelines. They are not, for example, allowed to speak to any third party about a debt, or to visit a debtor at work or without prior arrangement. Needless to say, many sail close to the wind and rely upon most peope's ignorance of the rules.

    If you 'take the hit' and get a CCJ, this will not get them off your back, or make the debt go away. The creditor can enforce the CCJ (adding more costs in the process), and ultimately can have the money deducted from wages in which case the employer is aware of the CCJ too. Even if not enforced, a CCJ or default notice will remain on file with Credit Reference Agencies for 6 years, and may well have an adverse effect when you want credit in future - so, no mortgage, no new car, no paying insurance by instalments, no contract mobile phone, and so on. You can get by, but it will be hugely inconvenient.

    Possibly more important is the issue of personal integrity; everyone understands that situations may arise where a debt results from an accident or whatever, but no-one wants an irresponsible soldiers who becomes an admin burden because he ignores it.
     
  7. This may be useful and I have plenty more info on getting out of debt and what to do if your credit record is damaged etc if you would like them

    There are several national organsations which provide counselling, advice or just a friendly ear if you have concerns about money.

    The Consumer Credit Counselling Service is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice. You can speak with a freephone helpline counsellor who performs an immediate assessment of the situation ending in emergency help, self-help material or the offer of a counselling interview. The interview can take place over the phone or face to face in one of the centres and CCCS will send you information to read in advance. The interview consists of a full review of the credit and debt situation followed by a recommendation. The first priority wherever possible is to allow fully for your essential expenditure, priority debts and living expenses. Then the counsellor will assess whether you have enough left over to make an offer of repayment to other creditors. If you do, the CCCS asks creditors to freeze interest, stop penalties, accept a longer repayment period and sometimes a reduced sum. Many creditors now have such respect for the CCCS that they accept its repayment proposals without further checks. Call 0800 138 1111 or www.cccs.co.uk. Open 8am to 8pm Monday to Friday.

    National Debtline is a national telephone helpline for people with debt problems in England, Wales and Scotland. Again, the service is free, confidential and independent. The organisation is committed to discussing your debt problems and the options available to you. The specialist advice given over the telephone is backed up with written self-help materials which are sent out to you for free. In certain circumstances, the organsation can assist in setting up a free debt management plan for you. Call 0808 808 4000 or www.nationaldebtline.co.uk. Open 9am to 9pm Monday to Friday and 9.30am to 1pm Saturday.

    Payplan is one of the UK’s leading debt management companies, assisting individuals who have unmanageable debts and working closely with charities such as National Debtline. Unlike most debt management companies, Payplan provide a free debt management service and are an independent company whose aim is to help people set up and keep to a manageable repayment plan. Their services are paid for by the credit industry who believe people should have access to free help with their debt problems. Firstly they will carry out a full assessment of your financial situation. They will then approach your creditors and ask them to approve the offer of reduced payments.You then make one monthly payment to Payplan and they then send the (pro-rata) amounts directly to your creditors (usually by electronic bank transfer). All of this money goes directly towards reducing your debt. They will help and support you throughout the duration of your arrangement. You will be given an individual case officer who will be available to help you should you experience any problems. They undertake regular reviews of your circumstances to ensure that your Payplan arrangement is still working. The arrangement then continues until all of your debts are cleared. Call 0800 085 4298 or www.payplan.com. Open 8am to 8pm, Monday to Friday.

    The Citizens Advice service helps people resolve their legal, money and other problems by providing free information and advice from over 3,200 locations, and by influencing policymakers. Citizens Advice and each Citizens Advice Bureau are registered charities reliant on over 20,000 volunteers. The majority of their advisers are trained volunteers, helping people to resolve over 5.6 million problems every year. Before seeing an adviser about debt, CA recommend that you gather together all your financial papers. These should include any court papers and letters, bills and credit agreements, and details of your income and expenditure and that of your spouse or partner. If you have to wait for an appointment with an advisor, it may be useful to tell creditors that you have contacted an adviser for help. Most creditors welcome the involvement of a specialist adviser. They may be willing to hold off action to enable an agreement to be reached. Consult your phone directory for your local office.

    The Samaritans provide confidential emotional support, 24 hours a day for people who are experiencing feelings of distress or despair, including those which may lead to suicide. They are there for you if you're worried about something, feel upset or confused, or you just want to talk to someone. Call 08457 90 90 90 in the UK and Northern Ireland.
    Don't wait until the bills arrive

    'Over half of our clients say they waited too long - over a year after they knew they had a problem - before seeking help,' says CCCS Chairman Malclolm Hurlston. You might think that January would be a busy time for debt counselling services. But although the number of people seeking help with debt rises each year by at least 10%, the phones don't start ringing off the hook until February or March when the credit card bills have arrived and repayments are looking tricky. Then the staff can face nearly 1000 calls a day. Those contacting the Consumer Credit Counselling Service carry an average of £25,000 debt, but now many come to the counselling service owing more than £100,000, excluding mortgage debt.
     
  8. ViroBono

    ViroBono LE Moderator

  9. all good advice here

    Good luck, my bank helped me out after a struggle of about 10 years
     
  10. Don't do it. You'll regret it in the long run, especially when you want finance for your new Nissan Squaddie from the NAAFI. Try speaking to them again and explain that you will be able to pay off your debt in installments as soon as you are employed by the Army. They may see this as security as they know that you will be getting a regular wage and that they can find you quite easy if you are a squaddie. Tell them that if they ping you with a CCJ, it may affect your prospects of regular employment and that means that you'll have no money to pay them anyway, so it's in their interests to help you out. It's also in your interest to pay them off as soon as you can when you start drawing pay.

    Have a chat with Citizens Advice as well.


    If someone else has already given you this advice then apologies. I just couldn't arrsed reading the thread.
     
  11. Don't let it get as far as a CCJ. As others have said, write to your creditors and make an offer of payment. No matter what they say, the last thing they want to do is go to court.
     
  12. To answer the question this chap has posed:

    Q. 'Will a CCJ stop me getting into the Army?'
    A. No. The Army is currently looking at ways to admit persons with (minor) sexual offences, so a CCJ is fcuk all in comparison.

    As T34UK has already stated, you may have problems downrange getting higher levels of security clearance - it used to be all about sexual pecadilloes, but now the emphasis is very much on money.

    Other than that, take Biscuit's advice to heart - bang on the money as always.

    Good luck.
     
  13. As you have heard, the CCJ shouldn't hinder your chances, but you shouldn't let it get that far.

    If you have broken your leg & only just got back to work, you might find you have other problems to deal with though. Can you pass your fitness test at selection?