Stop paying rent and moving out query

dancingfairy

I'm not sure what you mean by getting the rent via work? DO you work for the council or something?I'm assuming work weren't a guarantor/ paid a deposit or anthing for you?If not then I believe they'd have to take you to court before they could apply for an attachment of earnings. At which point if it had gone to court and you'd lost then you would hopefully have paid up before this point anyway.To be honest you'd think they would maybe agree to a compromise, to get you to court they'd have to wait until you were 2 months in arrears I think then go to court. A lengthy process and not one anyone would willingly embark on. Let's hope you find some middle ground.df

TrueBlue12

Sorry
What I meant is that I read that sometimes they try to get the unpaid rent by contacting your employer and claim from your salary.
Or perhaps I have been reading a weird and untrue story.

I really hope they are still willing to compromise for both our sakes.
While I know the risk of loosing my deposit and can live with this, I am wondering if they will actually decide to take me to court.
While a judge may find my complaints minor, the question is whether the estate company will think it is worth trying to take me to court if I have left the property and won't claim the deposit back.
They won't have anyone to evict which is mainly the reason someone is taken into court if they refuse to pay rent.

dancingfairy

They will still want to follow eviction proceedings (if they've any sense) otherwise they could find themselves falling foul of an illeal eviction.
In terms of taking money from your salary then I believe you are referring to an attachment of earnings. Like I said they'd have to have got a judgement against you first and asked the judge for an attachment of earnings. It's not like people can just appraoch your employer and ask them to start dedudcting money randomly! Your emplolyer would want to see the court order.
df

TrueBlue12

Cheers! Sorry for keeping asking questions and hope you don't mind.
If there is no one to evict how would they still be able to follow eviction proceedings?

Yep That's what I meant: attachment of earnings.
Thanks for your explanation about that and for being so helpful!

TrueBlue12

While someone else above mentioned that it won't effect my credit score until I get sued I just found this on the net:

Missing even one payment deadline goes on your credit record, which the credit rating agencies use to help assign a credit ‘score’ to you.

Now I am not so sure what is correct and what's not.
Maybe it only counts if you are in the USA but in the UK every missed payment goes on your credit score?

R_P_W

Look there is a real simple solution.....don't stop paying your rent! Live there or don't live there - up to you. You signed a contract.

Every issue you have mentioned sounds small and like you have absolutely nothing in your favour. Suck it up, see out your term and then either stay or move!

BitterAndTwisted

It would be completely daft for anyone to give you an opinion on something you've cut and pasted from some website somewhere if you can't provide a link.

To my knowledge late payments of rent do not go on your credit-file but a CCJ might. If you get a judgement against you and don't pay up.

My own feeling is that the LL/agent offering to release you from your legally-binding contract is fair. Expecting them to split the cost with you 50/50 is not. I think it's extremely naive of you to have asked.

TrueBlue12

I understand and respect your reply, RPW.
But while these problems sound small to you, I am done with estate agents being able to tell tenants whatever they like to get the contract signed and we tenants have to simply suck it up.
Having been lied to upon signing contract doesn't sit well with me at all
hence why I am simply asking these questions and with some helpful replies has given me something useful to think about.

BitterAndTwisted

You've mentioned only one problem so far, the internet one, and that is pretty trivial imo. What are the others which are so very compelling?

Cissi

I'm surprised that you mainly seem concerned about your credit score if you stop paying rent until you move out (unless I've misread your posts). Do you even realise that you're technically liable for all the rent until the AST expires? Unless of course a new tenant is found in the meantime, but the agent has no real reason to push for this, especially if they have other empty flats to fill first.

Just curious - if you can't afford to pay for internet by yourself, how are you potentially going to manage 2 lots of rent? Just make sure that you have it IN WRITING from the agent that they agree to release you early from the AST, without the condition of a new tenant being found first as otherwise it means diddly squat and you could end up having to cough up the full 6 months' rent.

Just as an aside, are you American by any chance? The law here is very different and general google searches won't be much use - you need to make sure that you get your information from UK sites only.

TrueBlue12 wrote: »

After complaining about it to the real estate agent I found out that he has given me incorrect and incomplete information before I signed the contract (Assured Shorthold Tenancy).
Right now I have been going back and forth to terminate the contract asap based on false representation of the property and this is still going on.

So my question is, if I stop paying rent and leave the property and return the key, I will most likely loose my deposit.
But will it also give me a bad credit score?

(my bolding - real estate is an American term, not generally used in the UK)

TrueBlue12 wrote: »

While someone else above mentioned that it won't effect my credit score until I get sued I just found this on the net:

Missing even one payment deadline goes on your credit record, which the credit rating agencies use to help assign a credit ‘score’ to you.

Now I am not so sure what is correct and what's not.
Maybe it only counts if you are in the USA but in the UK every missed payment goes on your credit score?

my bolding again

Um, no - as has been said above, in the UK missed payments will only affect your credit score if you default on a CCJ.