Renting whilst Bankrupt

Whoops_Apololypse

Hi

Can anyone advise me as to whether letting agents do credit checks on you? My husband and I are in the process of going bankrupt and will loose our house. Will we have to private rent and wonder how bankruptcy will affect this?

Bunnie1982

Our letting agents did a credit check on us before we moved into the property, we had to provide 5 references each and also have a reference from the bank.

Each letting agenct might operate differently though

Whoops_Apololypse

Thanks bunnie. Did you have an adverse credit history? Do you think 10 references is normal practice?

LittleL_4

Why don't you rent privately rather than using an agent? Agents definitely carry out credit checks. Private landlords I'm sure will be a bit more lenient
L

Bunnie1982

Whoops_Apololypse wrote:

Thanks bunnie. Did you have an adverse credit history? Do you think 10 references is normal practice?

My OH had adverse credit but we still managed to get the place we are living in at the moment.

I have rented before too, one where I had to give 3 references and then I rented straight through a private landlord who did not ask for any references

earwig

we privately rent with no probs and oh is bankrupt

silvercar

if you know you are going to lose your house then find a rental before it happens if possible.

raq

my inlaws had to rent after bankrupty , no worries. Landlord didn't seem bother as long as he has got his money.

Whoops_Apololypse

silvercar wrote:

if you know you are going to lose your house then find a rental before it happens if possible.

Thanks for this. I expect we'll do this now. Do you know the best place to find private landlords? We've never rented before so any advice would be much appreciated.

tight_jock

Hi

we rent privately but were in here before the BR went through. The or was extremely understanding when we spoke to him about contacting the landlord as we were not sure how they would react. He said that as long as we were not in arrears there was no need to speak to LL. All our rent outgoings etc were shown by bank statements and we had to produce our copy of the agreement to show rent cost and council tax.

I would certainly obtain a rental property before going br and privately if possible. (We found ours advertised in the provincial daily paper where we live.)
If you then want to move you can always ask landlord for a reference then !!!!!!!!!!!!!!:rotfl:

joeblack066

https://www.gumtree.com My DS1 found an excellent rental when moving to a new city in November last. Took the 1st place he found. No credit checks, just proof of employment and 2 x private refs. Debs.