Hi friends,
Please help!!
This is a rather embarrassing question. I have applied for FSW 2014 late June and am awaiting CC charge and PER.
I am an Indian national, working in IT and am pretty accomplished professionally. Have worked in 3 countries.
I have an elder brother whose past actions I am not proud of. I have cut all ties with him for the last 5 years after he tried using my pay slips and documents, and tried to forge documents for a bank loan without my knowledge. He had taken loans from 2 banks 7-8 years ago and has defrauded on both. He had been lazy, had an easy lifestyle and had borrowed from multiple people without paying anyone back and I am not sure if any of the lenders has filed any police complaints on him.
If they have and if my brother's credit standing is not good, will it affect my application for FSW in any ways (background check, family records, criminality etc.)? We had lived in the same house for 7-8 years and any background check will reveal this to the authorities. Will I have to suffer because of my brother's misdeeds and get my application rejected?
Eagerly waiting for answers from seniors and even others with any knowledge on this topic.
Regards,
Gill
Dear Gill,
I know it is embarrassing. Some go through situations like yours.
Background checks might be a problem as your name might reflect in CIBIL (If you are from India)
You still have time as background check is done after PER and the file queues for background checks before you get medical request.
1) Go to those banks and ask for how much amount is due to pay. Meet the branch manager and negotiate to which you can clear it off explaining you had not done this. (It is possible)
2) Ask them to contact CIBIL and withdraw your name from bad credit. They will contact CIBIL and get a copy of this correspondence.
(You personally need to follow up with CIBIL, and get your name off)
I know its a pain, `but help yourself` to live a wonderful life in Canada with security.
3) Walk down to the nearby police station, if you can figure out if your brother has been accused/convicted.
This will update you with knowledge and make you take appropriate actions not only for FSW, but for everything. The sooner you do, the better.
All the best.