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Rent to tenants with CCJ

13

Comments

  • FBaby
    FBaby Posts: 18,374 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Guest101 wrote: »
    its very possible the court papers went to their old address and this is the first they've heard of it
    It's possiblke but so is that they are just not good at budgeting and prioritising their finances. I don't think it is common for responsible people to end up with ccjs by surprise.
  • macman
    macman Posts: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If a guarantor can be put in place, then you are in a pretty safe position should the worst happen.
    No free lunch, and no free laptop ;)
  • gycraig_2
    gycraig_2 Posts: 533 Forumite
    It's getting more and more common for people to have ccjs for stupidly low amounts.
    I got a ccj from a parking ticket it might be something as petty as that

    Ultimately they are already in the property and process is the same whether you just boot them out or they start missing payments, id personally just see how it goes don't want all the stress of kicking out what may be good tenants.
  • hoyalove
    hoyalove Posts: 9 Forumite
    sacha28 wrote: »
    When you say YOU hold 6 weeks of deposit, I'm assuming (and hoping) you mean that you took reciept of the money then placed it into a deposit scheme?

    Yes I put deposit through agency and followed deposit scheme
  • hoyalove
    hoyalove Posts: 9 Forumite
    Guest101 wrote: »
    its very possible the court papers went to their old address and this is the first they've heard of it

    No this was searched through current address by referencing company.
  • Guest101
    Guest101 Posts: 15,764 Forumite
    hoyalove wrote: »
    No this was searched through current address by referencing company.



    I suspect that's not what happened. Without being funny, you don't seem to be too aware of how these things work.


    If this is the first they've heard of it, it's unlikely the court paperwork was sent to the address
  • Guest101
    Guest101 Posts: 15,764 Forumite
    FBaby wrote: »
    It's possiblke but so is that they are just not good at budgeting and prioritising their finances. I don't think it is common for responsible people to end up with ccjs by surprise.

    I've got a CCJ, it was taken out in 2013, didn't have a clue. 4.5 years later I find out when HCEO write to me.


    The debt is from over 6 years ago, and was settled.


    Sometimes unscrupulous companies act like this.
  • hoyalove
    hoyalove Posts: 9 Forumite
    Guest101 wrote: »
    I suspect that's not what happened. Without being funny, you don't seem to be too aware of how these things work.


    If this is the first they've heard of it, it's unlikely the court paperwork was sent to the address

    You can search the CCJ record through register of judgement by putting matching address. There is no possibility that the court send a notice to an old address and put CCJ record into current address.
  • Guest101
    Guest101 Posts: 15,764 Forumite
    hoyalove wrote: »
    You can search the CCJ record through register of judgement by putting matching address. There is no possibility that the court send a notice to an old address and put CCJ record into current address.



    1: You wouldn't unless you suspected or knew you had a CCJ
    2: It's more than just a matching address!
    3: Ok im sure you know better, which is why you're here....
  • FBaby
    FBaby Posts: 18,374 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    In the end, it's up to OP whether they consider the ccj a red herrings and indication of potential problem, or whether they are likely to just be unlucky and unlikely to be poor payers. Statistically, it's much more likely to be the former, but only OP's tenant will know.
This discussion has been closed.
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