renting after bankrupty advice please

kelly_2009

Hi
I am in the process of trying to rent a flat and need some adivce.
I got declared bankrupt last sept.
Since then I have open a new account with co-opertive bank and have my wages paid into there every month and I now live back at my parents house.

THey have told me that they cannot expect my driving licence as proof of id or adress or a bank statement so if I am not on the electroll roll i need a bill as proof of adress as I got delcared bankrupt last sept and moved into my parents I do not have any bills in my name yet is the right???????????

I am applying to rent a flat with my partner that has a good credit history but his anual take home wage is 1000 per year of the requiment for income to rent so i have to apply with him we have got a gauntor that earns 4 times the times the rent and the companys reqiument is 3x but he has only been working for this company for 8mths but is on a perment contract before this job he was at universty. When we spoke to the agent they said that the gauntor only had to be earning 3x the rent nothing about how long he had been at the company. I have tries to ask the agents about this and she keeps saying dont worry about it we will see what comes bck but I am worry that I am going to have paid £170 for the applicant and not get the flat.
Any advice welcome please help...

jellygirl_2

have you though of renting from private landlord instead of agents - Im looking to rent soon and not going to bother with agents at all - too much hassle and grief.

kelly_2009

Yeah would like to rent off a private landlord but there is nothing in my area that private that i can afford I be looking for somewhere sice christmas and I am expecting a baby soon and time is runing out. Just typicail this flat is in prefect area great price just with a agent

Merry_Gentry

Hi Kelly, it's strange that they won't accept a bank statement as proof of address But it all depends on the requirements of the agency. Have you already paid the £170? Have you explained to them the full circumstances re going bankrupt, etc hence not having any bills in your name. How quickly can you get yourself on the electoral register?

This is my second time of renting, and they accepted my guarantor even though she is a contractor because she was earning enough.

Maybe PM Nervousmother as she works within the lettings field and may be able to help you?

nickc25

kelly_2009 wrote: »

Hi
I am in the process of trying to rent a flat and need some adivce.
I got declared bankrupt last sept.
Since then I have open a new account with co-opertive bank and have my wages paid into there every month and I now live back at my parents house.

THey have told me that they cannot expect my driving licence as proof of id or adress or a bank statement so if I am not on the electroll roll i need a bill as proof of adress as I got delcared bankrupt last sept and moved into my parents I do not have any bills in my name yet is the right???????????

I am applying to rent a flat with my partner that has a good credit history but his anual take home wage is 1000 per year of the requiment for income to rent so i have to apply with him we have got a gauntor that earns 4 times the times the rent and the companys reqiument is 3x but he has only been working for this company for 8mths but is on a perment contract before this job he was at universty. When we spoke to the agent they said that the gauntor only had to be earning 3x the rent nothing about how long he had been at the company. I have tries to ask the agents about this and she keeps saying dont worry about it we will see what comes bck but I am worry that I am going to have paid £170 for the applicant and not get the flat.
Any advice welcome please help...

I started renting a house after my BR and I got both my fiancee and my brother to be guarantor, try your parents? As long as they can see that you can afford to pay then there should not be an issue. It is annoying because someone who is bankrupt generally has no or little outgoings too...

kelly_2009

Thank you fingers crossed all will be ok. I have explain the full story to the agencies and they are fully aware off my situation .
Yeah you are right though it is really anyoing as you are right most people who are have no outgoing just like me all I have to pay is my car insurance each month and the OR office.
thank you