How honest are OR's?

betterlatethannever

I have my interview this thursday and am hoping to beg/grovel/bribe (ok maybe the bribes not a good idea) the Or into NOT telling me landlord about my BR.
If they say they won't then are they likely to stick to that or can they change there minds/do what they please?
Am feeling a little untrusting of people at the moment after the halifax incident; yes you can keep your account, then closing it the next day:mad:
I don't owe any money to LL
Thanks

debt_doctor

All I can say is that the insolvency service in my area absolutely assure me that they NEVER contact a landlord unless debts to them are listed on the petiton.

Why flag it up, the insolvency service are mega streched anyway.

Best wishes

severe36

my OR said it's standard practice to contact the landlord.

I said to her I'd rather she didn't if could be helped.

told me that as long as I sent tenancy agreement AND a letter from landlord saying up to date with rent,then she wont contact him.

well chuffed.

betterlatethannever

Thanks for that, though surely asking a LL for a letter saying your uptodate with rent would arouse suspicion from the LL. How did you get round this severe?

severe36

I mumbled something about needing it for a loan. *ahem* :rotfl:

didn't like lying but needs must.

betterlatethannever

:rotfl:a lone!!!!
Thanks Severe, i'll look into using that one if needs must.

rog2

Hi BLTN - I would not worry too much. Unless there is a specific clause in your rental contract that excludes bankrupts (and that would normally only be when you initially signed the contract) your landlord is going to be more interested in the fact that you are a good tennant, that you are not in arrears and that your rent is paid regularily and on time.

worried123

Dear Betterlatethanever

I know exactly how you feel regarding your landlord...Luckily from reading this site and getting lots of info I was well prepared for bankruptcy....I had two major concerns - one of them was that my landlord did not find out....He would not have minded one little bit - but it was a case of `please spare my dignity and not tell him` - I told the OR that I was completely up to date with my rent and had no arrears whatsoever and I attached some bits that I was really concerned about with my forms at the court on the day.....I included my latest bank statement with the standing order for my rent etc etc and the OR first words was that he would not contact my landlord and that should help me sleep easier at night.......I think that if the OR says that he will not then they will stick to their word.....Try not to worry too much. There were so many worries for me when I declared bankruptcy and all the things that I was worrying about and expecting the worst with did not happen - infact everything seemed to fall into place.

Take care - best wishes.

betterlatethannever

Thanks Worried and Rog.
The trouble is there is a clause in my rental contract about being BR. I had hoped to appeal to the LL's better nature, but have bottled it and decided to stick my head back in the sand and cross my fingers that he doesn't find out.
Worried thanks for that, i hope things go that way for me too.
At the moment i can just about cope but to have the added worry that i may lose my home is tipping me over the edge a little. Apart fromt he upheavel, i have No money to move with.

MissMuppet

This post has reassured me some what, I am also worrying about whether the OR will tell my LL! There is a clause in my agreement as well which says something about they can apply for a court order if I go BR. Hopefully I'll be able to persuade the OR not to tell them... not sure what I'd do if I was chucked out, maybe move to my Mum's in France!

debt_doctor

Try not to worry about that too much . As Rog2 said a landlord wants a good tenant more than anything, these clauses are becoming more common, but if you think about it, assuming your an assured shorthold tenant ( as most private rents are ) a landlord can issue a section 21 notice, without any reason at all and regain the property in 2 months anyway,so its hardly any more power to his elbow.
If he' s happy with you, why risk evicting you ( at a cost ) and getting a new tenant who doesnt pay the rent and trashes the place ?