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Renting with CCJ

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  • debrag
    debrag Posts: 3,426 Forumite
    Are CCJ's the only no no (other than BR)? How are defaults looked at?
  • Leon_W
    Leon_W Posts: 1,813 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    The simple answer to this question is to put yourself in the landlords position.

    If you had a queue of tenants round the block, some had grade A credit ratings and others had CCJs, defaults etc, then realistically, who would you let your property to ? You would just consider the Grade As obviously and not even bother going into the whys and wherefores of how a default or CCJ came about.

    If the landlord was struggling to rent then things might be different, but you have to accept that you are not going to get the finest properties at the most advantageous rental figure.
  • My partner and I have just been turned down from renting a house because of a CCJ on my partners credit file for £258.00 which was satisfied 5 years ago. We have offered to pay a whole years rent in advance (£12,000.00) from our savings but it is still a no no.

    We were told by the letting agent that it was the landlady's prerogative!!

    I am so angry!!

    :mad::mad::mad::mad::mad::mad::mad::mad::mad:

    So what about the fact that we have offered the whole years rent upfront then?
  • jamesd
    jamesd Posts: 26,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    debrag, landlords don't like tenants who pay late, so a history of late payments would also be looked on negatively. Defaults would be even more negative than late payments. The ideal tenant starts out with a perfect credit record, stable job and ample income. Then moves on to always paying on time and never contacting the landlord, so the landlord gets the money with the least possible amount of ongoing work. Low effort and perfectly reliable tenants might then find that they get fewer and more infrequent rent rises from landlords who value reliable tenants more than risking losing a tenant and having a period not making money. More than five years of paying the same rent in my case.
  • jamesd
    jamesd Posts: 26,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    So what about the fact that we have offered the whole years rent upfront then?
    The landlord would be looking for longer term tenants than just one year, though a year in advance with no requested discount would certainly be a favourable thing. The landlord would still select the best of the available tenants and it might happen not to have been you in this case. Or just a landlord who'd had past trouble and already made up her mind, regardless of what you did.
  • gbaryah
    gbaryah Posts: 18 Forumite
    From a Landlords point of few I would not consider people with bad credit. If someone offered me a years rent in advance the alarm bells would ring. I guess it's worth persuading a landord with good references and security.
  • jamesd wrote: »
    The landlord would be looking for longer term tenants than just one year, though a year in advance with no requested discount would certainly be a favourable thing. The landlord would still select the best of the available tenants and it might happen not to have been you in this case. Or just a landlord who'd had past trouble and already made up her mind, regardless of what you did.

    Maybe but we both work and have been in our current rented flat for 5 years and never missed or been late with a payment hence our current landlady has never increased our rent.

    We just wanted a garden which is why we went for this house but it is with a different letting agent. We even asked them to contact our current letting agency to clarify we are good tenants but they won't! I feel that they have told the landlady of this house that my partner has a ccj without putting across anything positive and it just seems so unfair :(
  • gbaryah wrote: »
    From a Landlords point of few I would not consider people with bad credit. If someone offered me a years rent in advance the alarm bells would ring. I guess it's worth persuading a landord with good references and security.

    The only reason we offered to pay upfront is because they said no because of my partners ccj and thought it would solve the problem of their worry about getting their rent. Our intention was to stay in the house long term .
    Why would alarm bells ring because we are prepared to give up our hard earned savings to show commitment and that we really wanted this house!
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