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can i rent with ccj
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# 1
misslisam
Old 16-06-2009, 7:05 PM
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Join Date: Jun 2009
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Default can i rent with ccj

Hi everyone, i am going out off my mind with worry, I live with my mum at the moment with my daughter too, I am looking into private renting a property in the next 3 months, been buying things for the house and saving the deposit etc, but the last few days I have been told that I cant rent, or will have trouble renting because I have poor credit from the past (4 ccj's and 5 defaulted accounts all from 2003) i cannot get a guarrantor as none off my family own their own home, can any please advise me if this is true that I wont be able to rent a propery, as I a not sure what the case will be for it.
Pleaes help me!!! :confused:
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# 2
theartfullodger
Old 16-06-2009, 7:30 PM
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Join Date: Mar 2009
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Misslisam....

Go have a chat with a few agents (start with one in an area you don't want to rent so you get good at the conversation). I'd suggest face-2-face.

When you are happy with your "story" (which must be true & check-out when LL/agent takes up references) go see some other agents in an area you do want to rent and explain your position: The CCJs etc. What agents & Landlords don't like is surprises: If they know what they are taking on it may just work out.


. If you have 1-month rent and deposit (which can be up to 2-months rent) and money for fees/checks etc you should find something, but maybe not yout perfect letting.

Chances are some will give you a flat "no" (not fair but it may happen). Others may say OK, understand what they would be taking on and might be prepared to let .

Sorry to hear your story.

Good luck!

Lodger (A Landlord, no property spare right now).


Also contact other advertised property
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# 3
misslisam
Old 16-06-2009, 8:21 PM
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Join Date: Jun 2009
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thanks for the advice i will give that a go over the weekend, I was going to be honest as i dont want to loose any chance off renting, the debts got a bit out off hand when i was in my early 20's and with a little un to look after it just went wrong my total debts are about 7.000 I know its not a lot to what some people have, but these things happen
Do you think it would it look better on me if I was to join a debt management company and consilidate my debts? will look like I am keen on sorting the problem then.
Really am gratful for your time and advice has given me a little relief that the answer may not be no!
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