Rental Guarantor Needed? - Help

Mr_Pitiful

Mr_Pitiful wrote: »

Their status would depend on if the subletting was lawful. If it were, I think it would just be a court order that's needed.

Change to the above. If it was a lawful sublet then T2 tenancy would continue and be binding on the head landlord. S18 HA1988.

G_M

Okay, good point. But still, why would a LL complicate things by agreeing to such an arrangement when they can just get a guarantor to sign an open ended agreement for any unpaid rent, PLUS retaining the right to evict the tenant if necessary.

Oh I quite agree. Far safer arrangement for LL.

I was responding to the previous posts which highlighted the helplessnessof a guarantor once he's signed. The fact that he cannot rescind/terminate/limit his liability, NOR bring the tenancy to an end.

If it was a lawful sublet then T2 tenancy would continue and be binding on the head landlord. S18 HA1988.

In which case, I withdraw my proposition!

Back to unlimited guarantees.

Or selecting appropriate tenant in 1st place.

Leaving the OP here with few options.

anniecave

grifferz wrote: »

In your position I would probably try, in order of preference:

• Suck it up, save 6 months of rent and try again
• Share a property with multiple other tenants so that landlord considers it less of a risk
• Try to find a property share dealing directly with landlord, be up front about CCJ and hope they will consider you

I currently live in a shared house, and rent directly off the landlord, and there were no credit checks.

I would find somewhere direct with a landlord (look on gumtree, in the local supermarket/corner shop windows etc)

grifferz

anniecave wrote: »

I currently live in a shared house, and rent directly off the landlord, and there were no credit checks.

Yes, it's more likely that a direct landlord relationship won't involve a credit or reference check, but any would-be landlord asking here would be advised to still carry these out without the help of an agency. Anyone can do them, if given permission, and they're not expensive.

So OP would still be advised to admit to having a CCJ, and that is still going to put off many landlords.

Experian_company_representative

Bear in mind that landlords and letting agents can only see limited information on any credit check they carry out. Basically they can only access public records such as court judgments and bankruptcies. Your credit history (cards, loans etc) can only be seen by lenders.

James

G_M

anniecave wrote: »

I currently live in a shared house, and rent directly off the landlord, and there were no credit checks.

I would find somewhere direct with a landlord (look on gumtree, in the local supermarket/corner shop windows etc)

Don't want to be overly negative but be cautious with gumtree.

There are many scams eg tenants who are leaving, pretend to be the landlord, show you round, take a deposit/rent, then move out and vanish....

Additionally, any sensible landlord would credit check, even if not using an agent.

So a landlord who does not credit check is more likely to be a scam artist, or, at best, a rank amateur.

(and before everyone shouts "I rented via gumtree with no problems", yes, this is a generalisation. And yes some amateur LLs are great. It's just a warning!)