Security Clearance Financial Problems? Help Please


Finally got my ass in gear and passed the Psychometric Test and the interview. Just completed my Security Clearance just a bit worried as i have had a County Court Judgement against me in the last few years. Pretty sure its been paid and its done and dusted now will this be a problem? Also Iv got a standing order on my water bill which is paying back arrears will that be a problem? they might have possibly sent me a letter threatening a CCJ but it never happened, due to setting up payment. Last Contract i took out (phone contract) i couldnt take it without paying a deposit. Does anyone know if i should be worried about this? as i am quite a bit. If something does come up if i pay what ever i owe can i then reapply? Also how long does the SC take to come through?

Thanks alot Angela


Lantern Swinger
Does the SC ask if you have had a CCJ? If you answered honestly and said yes that will be better than saying no as that will cause you all sorts of , cya later , bi bi have a nice life senarios. As for the details Ninja will have the answer as always.

After a bit of digging by using the serch function that is so popular here

I hope this is all still vallid. 0608 part b might be of interest.

Rules on debts:-

0607. General
a. Once entered into the Naval Service financial problems may, through worry and other pressures, seriously reduce an individual's efficiency. Moreover, if an individual is financially irresponsible, particularly if it leads to dishonesty, it will affect future advancement, the handling of classified material, and may therefore become an administrative burden leading to discharge from the Service. The examination of personal finances is therefore and important part of the recruiting process. Careers Staff/OES AIB must assess the candidate's suitability in terms of financial
responsibility. In particular, information must be obtained about the candidate's debts, assets, monthly outgoings and income and any unpaid County Court Judgements (which can be a bar to entry).
b. Candidates who are declared "Undischarged Bankrupt" are not eligible for entry into the Naval Service until they can produce proof of "Discharge from Bankruptcy".
c. Candidates who declare significant debts are offered the opportunity to
demonstrate their ability to cope with the repayment of the debts.
d. Independent Voluntary Agreements (IVA) (or Trusted Deeds in Scotland) are themselves not a bar to entry. A candidate who has entered into an IVA will automatically get a financial check as part of the Security Clearance, which may or may not result in the candidate being given an SC. Being given an SC means they are not a security risk from a financial viewpoint, but it does not mean they are eligible from an employment point of view. When processing candidates with an IVA consideration should be given to the time to run before expiry, time before entry, past
performance in maintaining IVA payments and the candidates attitude to debt.
e. On the basis of the information obtained during the interview, an assessment must be made of the candidate's likely trustworthiness and ability to survive financially, on future service pay, without becoming an administrative burden. In making this assessment the primary concern must be whether or not the candidate is financially responsible and his/her attitude towards incurring debts.
f. It is impossible to state a sum which could be considered as unacceptable e.g. a mortgage (or other secured loan) or student loan are entirely different debts from those owing to a debt agency or credit card. Careers Staff must use their judgement and experience but in all cases when total outgoings exceed 50% of the candidate's expected rate of pay on entry, the candidate must demonstrate that they can reduce
the amount outgoing to this level before the candidate can be considered suitable for entry. Where Careers Staff consider the candidate's outgoings are in excess of 50% of the expected rate of pay on entry, the candidate can be offered the opportunity to clarify their financial situation by completing a financial summary.

0608. Credit Reference Checks
a. As part of the Security Check, the DVA carry out a credit reference check for all candidates over the age of 19 years. The check may reveal serious financial difficulties and the existence of any unpaid County Court Judgements against a candidate. Candidates should be made aware that this check will be carried out.
b. County Court Judgements, whether declared by the candidate or discovered during the SC process, must be cleared by the candidate before a SC can be applied for. This can be done by the candidate obtaining a "Certificate of Satisfaction" from the Court which made the Judgement. Records of county court judgements are maintained on a central register and once a judgement is registered there are only two
ways it can be removed:
(1) By application to the issuing court with evidence that the debt has been paid in full.
(2) By providing sufficient evidence to the issuing court that the original
judgement was entered against the debtor in error.
Last edited:


Thanks for the reply, i did say yes that i do have a CCJ on my application and alos written a extra note saying about the other details with standing order etc. I have been completly honest in the SC. The major question i wanna find out is if i am declined, can i reapply once the debt is paid?


War Hero
SC will not be granted if you have an unresolved CCJ. No SC, No join.

SC can be granted if the CCJ is later resolved.


Thank you very much for your time. I have declared a CCJ and i am only applying for Naval Reserves dont know if this makes a difference with repaying debts?
Sorry to jump on an old post (im new to this).
So i have 2 ccjs which are both payed off but stay on the register for 2 and the other 5 years! Should this stop me getting in?

Similar threads

Latest Threads