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Tenant Checks

Yesterday I carried out a tenant check (company credit-check-services.co.uk) and found my tenant had 6 (yes six) CCJs, totalling over £40,000 of debts. :eek:

I find it hard to understand how someone can get into such a situation, and I sympathise with them, but I could not risk letting my house to them.

Has anyone else come across situations like this?
Do you carry out tenant checks or do you just take a risk on this sort of thing?
Would you let your house to them if they had tihs sort of debt?

Comments

  • silvercar
    silvercar Posts: 49,740 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    At least you have found out before letting.

    6CCJs totalling over 40k?? not a chance of letting.

    I may allow one or possibly two CCJs for small amounts if the tenant had a reasonable explaination (like an arguement over a termination of contract with a mobile phone company).

    I would be more likely to agree if the tenant had been open and honest in the first place rather than wait for you to find out later.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • sooz
    sooz Posts: 4,560 Forumite
    As silvercar says, if they'd been upfront, I may consider a 'little' CCJ. That many - no chance.

    Yes - I always do a credit check.
  • clutton_2
    clutton_2 Posts: 11,149 Forumite
    did they tell you about them in advance of the checks ?
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