Will the OR contact.......

AAW_2

On my SOA I have put other income as £300. This is money from someon lodging in my rented accomodation once I have moved in. Also for other child related I have put £300 as I pay this to my 2 ex girlfriends for child maintenance.

Will the OR want to contact my lodger and my ex girlfriends to find out if this is true?????

skylight

Unlikely. He may want to see a rental agreement for the lodger that shows the amount of rent. You can get copies of these for free online so have a good search and you can fill them in with a past date if you dont have one (he'll never know....)

On your SOA, do not mark it as child related - make it very, very clear that it is Child Maintenance. Is this CSA? If so, you can use the letters from the CSA as proof if asked.

Its unlikely he will ask - but you never know. Don't mention it yourself though in the interview. Don't draw attention to it and perhaps they may take your word for it. Most things they do anyway.


Of course, you could always just not mention the £300 you have coming in from the lodger...... (unless its paid into an account and he'll spot it)

robsimps53

it depends on the OR but in all honestly i think they would have to contact them to confirm everything

JCS1

I think it is unlikely, it is only something that would happen if any possible IPA was being disputed.

AAW_2

Its not CSA.

I just don't want anyone knowing my business.

I guess I could just leave both of them off the SOA as the ammounts cancel one another out. I plan on renting a 4 bed so I can get a lodger in. The OR might wonder why I need a 4 bed house for me and my 2 kids that stay twice a week.

Lensman_2

AAW wrote: »

Its not CSA.

I just don't want anyone knowing my business.

I guess I could just leave both of them off the SOA as the ammounts cancel one another out. I plan on renting a 4 bed so I can get a lodger in. The OR might wonder why I need a 4 bed house for me and my 2 kids that stay twice a week.

I would say be careful here. You owe the OR a duty of full and frank disclosure.

This post explains what can happen if you withold information - even if it seems of little importance...
http://forums.moneysavingexpert.com/showthread.html?t=1471739

AAW_2

I mean I don't want my lodger and ex girlfriends knowing.

skylight

The OR will only allow you to rent a property that is sizable to your needs and also of a comparative rental value. If you are not going to declare the lodger (which you need to think very carefully about) then you have no arguement for a 4-bed place at all. Unless you can find a cheaper 4-bed.

EG - a 4-bed in my area would cost on average £1400, a 3-bed £1100. The £300 difference the OR could argue that you have done it deliberately to up your outgoings to avoid an IPA. If I got a 4-bed for around £1200, the OR is unlikely to question it.


As to avoid mentioning it to the OR, you have to. You agree to be open and honest about everything. If your lodger pays you in cash and you pay your ex's in cash (I really hope not!) then you could get away with it I guess. But if those income/outgoings show on your statements then you are going to have a hard time in explaining that if it doesn't appear on your SOA (if you see what I mean).

And your ex's and lodger would find out about your BR if they read the local papers cover to cover or search you online - your gazette details would come up. Bankruptcy is public knowledge and you can never guarantee 100% that no-one else will ever find out. Besides, they are ex's, you are paying them money each month for your children - who gives a damn what they think anyway??