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Cant rent due to CCJ's

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13

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  • BitterAndTwisted
    BitterAndTwisted Posts: 22,492 Forumite
    10,000 Posts Combo Breaker
    Before creditors commence on court action they generally send out statements every month, reminder letter after reminder letter and then warn you about their intention to apply to the court.

    As I said before, people usually know who they owe money to and are supposed to know whether they have paid or not. Those who get sudden CCJs magiced up from nowhere are usually the ones who don't arrange for their mail to be forwarded or redirected and don't tell the creditor that they've moved.

    How about your "hubby" formally writing to you and telling you that you and the kids are being chucked out a week on Tuesday because he's sold the caravan or whatever it is? That would sound like imminent threat of homelessness to me.
  • tbs624
    tbs624 Posts: 10,816 Forumite
    How about your "hubby" formally writing to you and telling you that you and the kids are being chucked out a week on Tuesday because he's sold the caravan or whatever it is? That would sound like imminent threat of homelessness to me.
    See a previous post from the OP
    Mistiek wrote: »
    The problem I have is that my name is on the caravan agreement and because its old and we can't be guaranteed to get much for it the ex won't buy me out.
    My bolding. If she is the listed owner of the caravan/ the one whose name is on the site residency agreement , OH cannot sell the 'van from beneath hers and the kids feet.
  • maddocks_2
    maddocks_2 Posts: 43 Forumite
    First of all, I wish you good luck in your future.

    The legal side of CCJs and whether they can be removed has been covered.

    There are plenty of landlords that don't go via agencies and normally don't credit check. The check&guarantor thing is normally for insurance purposes.

    A good example are landlords that list in a university's directory (usually available online, if you were a nursing student recently you may know people who have access to this) and they often will take anyone, not just students, and no credit check occurs.

    Secondly, many list on sites such as gumtree or similar (google for craigslist style sites that are based in the UK). In these instances, they probably don't credit check, they just want evidence you can pay the rent.

    Thirdly, your local newsagent/supermarket will have listings of places to rent normally that aren't via agencies - go have a look.

    Fourthly, some agencies manually check rather than credit check (i.e. they write a letter to employer/bank and confirm income) - it may be worth finding these.
  • jjlandlord
    jjlandlord Posts: 5,099 Forumite
    maddocks wrote: »
    There are plenty of landlords that don't go via agencies and normally don't credit check. The check&guarantor thing is normally for insurance purposes.

    Sure, it's not like landlords really care about the rent being paid or anything...
  • tbs624
    tbs624 Posts: 10,816 Forumite
    edited 22 May 2012 at 9:59PM
    maddocks wrote: »
    There are plenty of landlords that don't go via agencies and normally don't credit check. The check&guarantor thing is normally for insurance purposes.
    Yes, there are plenty of LLs who do not let via an LA, but that does not mean that they do not undertake appropriate referencing in order to limit unnecessary risks. Not all of these LLs use rent guarantee insurances, but they will still want to know about a potential T's record of meeting financial commitments in the past.
    maddocks wrote: »
    A good example are landlords that list in a university's directory (usually available online, if you were a nursing student recently you may know people who have access to this) and they often will take anyone, not just students, and no credit check occurs.
    Many such LLs *will* request a guarantor for their student Ts or indeed any other T who doesn't meet their criteria.
    maddocks wrote: »
    Secondly, many list on sites such as gumtree or similar (google for craigslist style sites that are based in the UK). In these instances, they probably don't credit check, they just want evidence you can pay the rent.
    My bolding. LLs who advertise on Gumtree are just as likely to want to fully reference a potential T as any other LL. Having evidence that you can pay the rent is not the same as having some form of evidence that you are likely to actually do so, ie not renege on an agreement.

    The sort of LL who is sloppy with tenant referencing is likely to be a LL who runs the sort of property in which you probably don't want to live.
  • jjlandlord wrote: »
    Who knows? You said you've got 3 CCJs and no idea why...



    From this thread, as a landlord I would run away.

    What constructive, helpful posts you write....(not)
  • N79
    N79 Posts: 2,615 Forumite
    What constructive, helpful posts you write....(not)

    Whether they are constructive or not is in the eye of the beholder. JJ's posts are accurate and honest.

    I, as a LL who has some of my properties in the LHA / "poor" end of the market, would also run away rather than offer a tenancy to the OP. That is helpful information if the OP uses it to address the issues they are facing.
  • dancingfairy
    dancingfairy Posts: 9,069 Forumite
    Where you are working do they have staff accomodation/subsidised housing for staff at all? A list of local/friendly landlords?
    Another thing - how much do you think you will need in rent for 6 months? Can you scrape that together and pay the lump sum up front? perhaps your parents might be able to help a little? maybe a credit union would give you a small loan? Perhaps you could stop/reduce payments to your dmp for a few months to allow you to save up for rent? Have you got anything you can sell? Can you get a few shifts in a pub or similar to help out? Can you live above a pub and pay board by working in the pub for some shifts? Landlords may be more willing to accept you if you have 6 months rent upfront and then you will recoup some of this when the benefits get sorted.
    Hope you come up with something.
    df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • lyra
    lyra Posts: 119 Forumite
    I second looking at LLs renting to students. I've never had any kind of checks (i.e credit checks or been asked for references). They LOVE mature students as well so that could go in your favour.

    Lots of luck for the future, hope thing work out for you.
  • tbs624
    tbs624 Posts: 10,816 Forumite
    edited 24 May 2012 at 1:36PM
    ........ maybe a credit union would give you a small loan? Perhaps you could stop/reduce payments to your dmp for a few months to allow you to save up for rent?
    My bolding. You have to *save* with a credit union as part of the deal for obtaining a loan and they still have to assess risk for their loans. Anyone on a DMP is generally advised not to take out fresh credit until their current debts have been [edit:dealt] with adequately.

    Stopping or reducing payments on a DMP ( espeically when you also have uncleared CCJs) is not a good idea. People have DMPs because they have reneged on agreements to pay money back - renege on your DMP too and you don't improve your standing.
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