Am I being paranoid or is this actually possible?

ipadrick

I have been in conflict with a credit card company for the past six months regarding their rate of interest and expected minimum payment. During this time, I (with the cc company's agreement) haven't been paying. Yesterday, the account defaulted because of this.

Today, I have had a phone call from my rental agency saying my landlord wants the property back and giving me two months to leave.

The reason given for wanting the property back is a change in the landlord's personal circumstances. However, we have rented the property for the past three years with no trouble, paying the rent on time every month without exception.

Am I being paranoid that this call should come the day after I defaulted? Is there any way my landlord could have been monitoring my credit score all this time or is it likely just coincidence?

WibblyGirly

Likely just a coincidence, I've never had a letting agent rerun checks after I'm already in a property. If rent is up to date etc there is no reason they would spend money doing it just to be nosy.

dimbo61

How would your Landlord be checking your credit file ?
I would however get this sorted ASAP with the Credit Card company as this may well impact your search for a new property or any credit you might apply for!
IE Loan, Mortgage or even Mobile Phone contract

booksurr

whether it is or is not coincidence there is nothing you can do about it so accept the fact that you will need to find somewhere new to live.

if you think you can change the LL's mind then contact him directly and have a civilised conversation, but a change in personal circumstances, whilst trite, is at the end of the day a personal matter they may not want to divulge.

Pixie5740

Paranoia. No one except you can see the score the CRAs make up for you, not lenders and not your landlord.

Landlords can search the public records but all those show are CCJ and insolvency, not defaults. Even then I think you have to consent to the search i.e. during referencing.

G_M

It's paranoia. Totally unconnected.

So the question is simply whether
a) you are willing to leave and/or
b) whether the LL is following the correct process to end the tenancy


* Ending/renewing an AST: what happens when a fixed term ends? How can a LL or tenant end a tenancy? What is a periodic tenancy?