Separation, renting and the OR

danceswithmongrels

My wife and I are both facing BR over debts in joint names. We are likely to separate and will need to rent two separate homes. Does anyone know how the OR will view this? Do they assess the cost of rented housing? Do they judge what is appropriate or just accept the rental costs as unavoidable?

alastairq

Hi....BR petitions are solely for individuals....'joint' personal BR means two petitions.

Therefore both of you will complete separate SOA's.


If you are still living together at the time you both petition, then your individual SOAs will reflect this.

I suggest both of you would be better off if you separate and rent before petitioning BR.

[The petitions do not have to be done at the same time]

This is simply because, a credit check may well be conducted by agents.

The OR will expect either/both of you to rent a home which is appropriate for the number of folk living there.

The OR will be aware of average rental costs in your area.

There is, however, an element of leeway in such costs...and as ever, they are subject to negotiation.