Accept Tenant with CCJ & Guarantor or not..

Alias_Omega

Tenant apparently works local...

From the words of the Agent..

T, owned own house. Split up from partner, then moved into parents house. Have been living there and now looking for a new place to stay local to work.

T, thought they had a low credit score and was shocked that credit check revealed a CCJ.


Though, a CCJ is pretty hard to get & to not know about. You have to ignore that many letters...


What do i do.?

BitterAndTwisted

What's happened to the working, walking-by couple, how interested are they?

I have a feeling that as you appear to have garnered such interest so quickly it would be worth your while hanging fire until you find a tenant or tenants who appear more reliable.

Alias_Omega

Driving past couple have not been in touch with LA yet, though i wish i knew where there parents lived in the close.

They asked about a long term let....


We worry about the Guarantor thing, it might not actually pay up.


The consent to let does not start until the 31st Jan, so sometime to go, so can afford to let it wait a week etc.

BitterAndTwisted

Did you not take any contact details from the walking-by couple? I'd still hang fire and see what the LA turns up in the way of prospective tenants if you're not in a tearing hurry

Jowo_2

jamesb1239 wrote: »

So people with CCJ's shouldnt have somewhere to live? How about bankrupts?.

People with CCJs, whether or not they are in employment or whether or not they feel its their fault, should know that this flags them up as a risky tenant because it demonstrates they aren't in control of their finances. The way to mitigate the risk is to offer the landlord a guarantor. Landlords also find students and HB claimants riskier than working tenants and may also set this condition.

It's up to the landlord whether they accept a tenant with a poor credit record, whether they set a condition such as providing a guarantor and whether they care to listen to any sob stories that accompany it or just have a blank ban on tenants with CCJs on principle.

As long as a landlord complies with legislation relating to discrimination on disability and race, they can choose who they like as tenants - private landlords aren't a branch of social services who need to mop up vulnerable tenants just because the govt has stripped the country of social housing.

They operate as a business - if a person with a CCJ struggles to purchase goods and services because their credit score is shot through, why is there any surprise that some landlords are averse to them? People with CCJs struggle to obtain credit - its not just landlords that have to think carefully about what it signifies.

pitkin2020

LMAO wheres my pitchfork!!!! Get real people just because someone has a CCJ makes them no more of a risk than someone that doesn't, whats to stop anyone getting in the property and then going bankrupt whilst in the property. IF every landlord decided not to take on people with CCJ's or even Bankrupts 50% of the rental properties would be empty.

Though, a CCJ is pretty hard to get & to not know about. You have to ignore that many letters...
Is it really, I can assure its very easy to get a CCJ without knowing. I received a CCJ without knowing and it took them 4 months after the court date to notify me and nearly 9 months after I moved house. The prospective tennant has said he has moved and its very easy for the court to order the letters to the last known address, if no response is sent back then they can give you a CCJ without your knowledge and without you even present to defend it. Its then upto the collection agency to find the person and get the payment.

N79

pitkin2020 wrote: »

LMAO wheres my pitchfork!!!! Get real people just because someone has a CCJ makes them no more of a risk than someone that doesn't,

I'm afraid that is just not true - they are a higher risk. Don't take it personally...

clutton_2

""if no response is sent back then they can give you a CCJ without your knowledge and without you even present to defend it""

sorry but i have no sympathy with this... if you move house and dont give people your forwarding address, or dont tell your debtors where you have moved to you only have yourself to blame if you dont receive their letters...

the Royal Mail does a perfectly good letter-forwarding service.

almost all of my tenants in 10 years who have left and who i still get mail for - guess waht - the mail is from debt collectors....

pitkin2020

N79 wrote: »

I'm afraid that is just not true - they are a higher risk. Don't take it personally...

In the current climate everyone is a risk but someone with a CCJ who is being backed is no more risk than someone without a CCJ.
The credit scoring system only looks at the paper trail and not the person im sure if the landlord were to meet the people they would be able to judge their character and decide from there.
You can also get a low credit score and be classed as a risk when you have no debts and have over 25k of savings!! work that one out!!

pitkin2020

clutton wrote: »

""if no response is sent back then they can give you a CCJ without your knowledge and without you even present to defend it""

sorry but i have no sympathy with this... if you move house and dont give people your forwarding address, or dont tell your debtors where you have moved to you only have yourself to blame if you dont receive their letters...

the Royal Mail does a perfectly good letter-forwarding service.

almost all of my tenants in 10 years who have left and who i still get mail for - guess waht - the mail is from debt collectors....

Nice little assumption there, firstly you don't the facts and secondly you don't know how the debt was incurred yet you sounded like you knew it all.
Firstly the debt was an advance payment I received from a company I was working for when they switched from weekly to monthly pay (everyone had the advance). The advance was being paid back via small amounts each month.
Secondly I moved house in the August informed my company of the change of address and change of car as I changed car at the same time.
Thirdly I left the company in January, they sent my final wage slip and P45 to my new address. The wages I received were my final wage packet minus the remaining wage advance.
Fourthly I had a post redirection with royal mail for 3 months which ended at the end of Nov
Fifthly. The company had made a mistake with their calculations and hadn't deducted the remainder of the advance balance at all and for some reason unbeknown to me decided to contact me at my old address where obviously they got no response.
From getting no response it went straight to court and I was issued with a CCJ. 1 month later after the CCJ was issued I was contacted a my new address and informed of this.
Funny how it was just after the month the time period you can pay the CCJ straight off and get it removed, anyway I paid the balance in full staightaway.

So clutton before you get on your soap box with your almighter than thou attitude maybe you should get the facts before voicing your very mis-informed opinions!!

As for you receiving letters maybe you should get a forwarding address from your tenants!!!