just a quick question,im going into rented

mickey66_2

accomodation,once im in there i will be applying for Bankruptcy,ive spoken to the CCCS about this and they said to check my 'Tenancy Agreement',to see if it mentions anything about bankruptcy in it as the Landlord/letting agent will be informed about the bankruptcy when it happens,i have been through the agreement and it mentions nothing about Bankruptcy,but as its all legal jargon which makes no sense at all could it be in there in some other form? ie under a 'housing act' or such like?
thanks

k2nga

to be honest if your landlord is getting his rent i doubt they will bat an eyelid.

mickey66_2

k2nga wrote: »

to be honest if your landlord is getting his rent i doubt they will bat an eyelid.

true,but my only concern is that im going through a proper letting agency,just wondered if they might be a bit more thorough if you like

pepsicharlie

As long as you pay rent on time most agents dont really care.

DavePig

It might be worth mentioning it to them beforehand, to save any problems later.

I have learned that BR doesn't generally prevent anyone from being able to rent, but it can change the terms a little: I, for example, had to supply a guarantor (someone whose wage is at least three times the rent), and some have to pay 6 months rent in advance.

jo70

Hi our date for going BK is next Tuesday-starting to get a bit nervous now. However we were told to check our tenancy agreement and there are no clauses regarding bankruptcy. Why don't you check with the CAB or even get in touch with SHELTER and see if they can decipher your agreement.
Best wishes

Geordie_Mick_2

Hi, I'm an ex letting agent and a discharged BR.

Essentially, you should be fine, however, if there is a clause (and their often is) regarding bankruptcy then by not telling your agent/landlord is technically non disclosure.

By adding a clause into the agreement it allows the landlord to regain tenancy of the property in the event of bankruptcy. A Landlord would be cheesed off enough if he lost rent arrears through a tenant going BR, so allowing the tenant to remain in the property thereafter wouldn't bode well.

If your rent is up to date and you're looking after the property then you should be fine, but check. Read every word in your agreement, the clause will stand out like a sore thumb!

Don't bother with CAB, they (IMHO) were'nt worth the 60p it cost to park outside.

Going forward, it can be prohibitive to getting a property using an agent as any decent agent will use a credit checking as part of the pre-tenancy checks.

Therefore, if you can, stay where you are, if not look for a private landlord who would more than likely take you on face value. I rent now and my landlord doesn't know I was BR, I didn't have to disclose it, if asked then it's courtesy to do so.

good luck and don't worry it will be in the past before you know it!

anjalorum

Hi
We are about to go BR when we get money together . When i rang about a flat to rent I told the landlord straight away about the BR and he said as laong as we could afford the rent he was'nt bothered recieved tenancy agreement through post today move in a few weeks would'nt have been able to settle incase he found out and we had to leave.but at least he knows you have been honest and upfront