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Renting with a CCJ
fozzie888
Posts: 5 Forumite
Hi,
I've been lurking on this thread for a while, haven't needed advice until now though! I hope someone can help...
My partner and I are currently living in a rented property on a 12 month AST, we were served our Section 21 when we took the tenancy, which ends 5th Aug. We always knew that we would only be in this property for a year, and are sharing with my partner's brother and a friend, who are moving on in August and we would be unable to manage the rent on our own, even if we could get the landlord to allow us to take a new contract.
We've done some viewings and yesterday we thought we had found the perfect property, but when we were talking to the agent about their fees etc. my partner suddenly announces that he may have a CCJ on his file! :eek: It turns out that the house he used to own was repossessed (he was on a £900pm interest-only mortgage and decided to cut his losses?), and having got onto Experian etc the CCJ is there. The agent said that her agency would not allow anyone with a CCJ to be a tenant as is invalidates landlords' insurance, and that they could not allow him to be a 'named occupier' with me as lead tenant as they had to creditcheck all occupiers, and it seems that this is fairly standard practice for LAs.
The frustrating thing is that he has a good income (over £30k), and although my income currently is poor (maternity pay) I return to work in September and will also be on a good wage in a secure job. We want to find a long-term family home, and have no intentions of defaulting, but this CCJ understandably damages our credibility.
Other than trawling Gumtree and local papers, is there anything else we can do?
Thanks for reading this far!
Foz
I've been lurking on this thread for a while, haven't needed advice until now though! I hope someone can help...
My partner and I are currently living in a rented property on a 12 month AST, we were served our Section 21 when we took the tenancy, which ends 5th Aug. We always knew that we would only be in this property for a year, and are sharing with my partner's brother and a friend, who are moving on in August and we would be unable to manage the rent on our own, even if we could get the landlord to allow us to take a new contract.
We've done some viewings and yesterday we thought we had found the perfect property, but when we were talking to the agent about their fees etc. my partner suddenly announces that he may have a CCJ on his file! :eek: It turns out that the house he used to own was repossessed (he was on a £900pm interest-only mortgage and decided to cut his losses?), and having got onto Experian etc the CCJ is there. The agent said that her agency would not allow anyone with a CCJ to be a tenant as is invalidates landlords' insurance, and that they could not allow him to be a 'named occupier' with me as lead tenant as they had to creditcheck all occupiers, and it seems that this is fairly standard practice for LAs.
The frustrating thing is that he has a good income (over £30k), and although my income currently is poor (maternity pay) I return to work in September and will also be on a good wage in a secure job. We want to find a long-term family home, and have no intentions of defaulting, but this CCJ understandably damages our credibility.
Other than trawling Gumtree and local papers, is there anything else we can do?
Thanks for reading this far!
Foz
0
Comments
-
Some landlords are more understanding than others. If you find a property that you know that you can both afford, ask the letting-agent to contact the landlord and discuss with them the CCJ issue. Don't just take the agent's word for it that you won't be accepted.
Some landlords will ask for six month's rent upfront and some could insist on you having a guarantor. Consider offering one or both of these if you can't get accepted for a tenancy0
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