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Overdraft security questionnaire section

Discussion in 'General Royal Marines Joining Chit Chat' started by boarder34, Jul 21, 2019.

  1. boarder34

    boarder34 Member

    Joined:
    Jan 10, 2019
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    Passed PJFT
    Currently just finishing up my security clearance questionnaire, I'm stuck on the Liabilities section because I was overdrawn in June, but am no longer overdrawn. The problem arises when I click onto the next section it says that I have all these liabilities which I don't have anymore.

    Essentially I am just worried that I'm going to be held up because the system thinks I am overdrawn even though I am not anymore.

    Thanks (apologies if this doesn't make much sense)
     
  2. Ninja_Stoker

    Ninja_Stoker Admin

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    Just state you have cleared the debt in the comments section. They do a finance check anyway, so as long as it's not recorded as a default payment or an unresolved ccj, you'll be OK
     
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  3. Boplicity

    Boplicity New Member

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    Correct me if I'm wrong, but isnt it just you should have the funds using the RM wage to pay your commitments?
     
  4. Ninja_Stoker

    Ninja_Stoker Admin

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    Your prior financial history is checked in order to gain security clearance. A poor, ongoing credit record (financial irresponsibility) can stop SC being granted. No SC, no join.
     
  5. Boplicity

    Boplicity New Member

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    So just a quick one. I've been abit of a idiot with cards and have taken out a loan to pay them off. How would this effect my app? I would wait till the loan is payed off but it puts me above the age of joining.
     
  6. Chelonian

    Chelonian Moderator

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    Your current stated age is 27 and RT must be started before the day of one's 33rd birthday. You don't state what type of loan you have taken out but I suggest that you contact Citizen's Advice for specialist information about resolving the matter. It might be possible with the assistance of Citizen's Advice to come to an arrangement with your creditors.

    https://www.citizensadvice.org.uk
     
  7. Boplicity

    Boplicity New Member

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    Just a big standard installment loan from the bank
     
  8. Ninja_Stoker

    Ninja_Stoker Admin

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    As long as you are addressing the debts and have no CCJs or unresolved defaulted payments you are normally OK. Generally, as a rule of thumb, your committed monthly outgoings should be under half your net income (approx £900) on the new entry rate of pay.