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Guarantor for daughters rent
scottygees
Posts: 109 Forumite
My student daughter moved from halls of residence into private accommodation last July. To get the place she wanted I had to act as guarantor for her on the promise that she would pay the rent so there would be no comeback on me, we'll you can guess what has happened. We had a letter saying she was £1080 in arrears. I myself am currently on a DMP so have no way of paying this and am currently in panic mode. So am looking for any advice that anyone can give me to help resolve the situation
Many thanks for any help
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Many thanks for any help
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Comments
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What's your daughter got to say for herself?
Not much scope for advice really - as a guarantor, it's for you to pay upon default.
Try to agree to instalments and have her pay you if she works.0 -
Bravehearted wrote: »What's your daughter got to say for herself?
Not much scope for advice really - as a guarantor, it's for you to pay upon default.
Try to agree to instalments and have her pay you if she works.
She said she has the rent and then put the phone down and now won't answer it when I try and ring her. Thanks anyway0 -
I'd send her a text or email telling her to pay the rent immediately if she has the money. Tell her you are not in a position to pay it and she will be evicted by the landlord if she does not.
I'd also tell her that if she doesn't pay and doesn't get in touch with you that you won't ever help her with anything financial ever again. You could also add that you will be selling anything of hers that she has left at your house (if she has).
If she won't pay then you will be responsible for it - and you'll need to add the debt to your DMP.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
If shes not working already Id be telling her to find a job to help pay it off, might not be what she wants to do but needs must.0
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Seems like you two need to meet up for a clear the air chat, as i guess not only do you want the rent situation sorted but want to know whats going on.0
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So she has the rent but has left you up the creek? Charming.Mortgage free by 30:eek:: £28,000/£100,000
Debt free as of 1 October, 2010Taking my frugal life on the road!0 -
I agree with previous advice but it sounds as if your daughter may be in denial about the danger of being evicted. It may be worth contacting the student welfare office at the university and let them know the situation. It is likely they will not talk to you directly and may not be able to help unless your daughter contacts them herself so text / email the contact details to her too. She may feel happier talking to them rather than facing you and they will be used to dealing with similar problems.
Good luck.0 -
scottygees wrote: »My student daughter moved from halls of residence into private accommodation last July. To get the place she wanted I had to act as guarantor for her on the promise that she would pay the rent so there would be no comeback on me, we'll you can guess what has happened. We had a letter saying she was £1080 in arrears. I myself am currently on a DMP so have no way of paying this and am currently in panic mode. So am looking for any advice that anyone can give me to help resolve the situation
Many thanks for any help
I'm surprised they accepted you as a suitable guarantor.0 -
You will be taken to court and a CCJ obtained. This isnt a standard debt, it is rent, which means that you cant just pay in 'installments' and frankly, it is deeply unfair to the LL.
The LL, if he has any sense what so ever will be in the process of actioning an S21 eviction notice for rent arrears and even if you pay it, she will be out at the very next opportunity available to him. I suggest you refrain from 'helping' her at that point also.
This wont go away and more than likely, there will be a court, a CCJ, several black marks on your credit file and a debt collector involved...not to mention zero chance of a reference and quite possibly she wont be able to get other accommodation at all in the private sector.Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
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please go over to the housing and renting forum and seek advice as to whether the guarantee you signed is actually valid; a high percentage are not.If you've have not made a mistake, you've made nothing0
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