SC Clearance

Tiddlywinks

Debt which is not serviced is a risk indicator in the vetting process for a number of reasons. The person may be desperate and vulnerable to offers from external parties to reveal info / turn a blind eye / steal etc. Having unmanaged debt is also very stressful which needs to be considered for certain posts (such as security, nuclear industry etc).

Fill in the form and be as honest as possible. Attach details of any adverse events that brought you to the situation you're in (divorce, ill health etc) and say that you are negotiating an IVA.

Showing the reasons and demonstating that you are already tackling things will be considered during the process and will help them to see the whole picture.

They do not normally interview for SC - that tends to be for DV.