Need advice to rent with bad history

DCFC79

Peterdad wrote: »

Another quick question: Does anybody know if agents give information (under the table) to each other like "we had this individual called Peter, we checked his credit record and it is really bad, do not talk to him" Like with Homer Simpson?
Also aren't the same landlord credit checking agencies used by several agents?

Its not a cartoon but real life.


As far as I know agents don't phone round the other letting agents asking if they had Peter on the books.


There's 3 agencies the agencies use, they possibly use them for just checking who you say you are, may other details too. They may check all 3 agencies or just use 2 or even 1.

Peterdad wrote: »

What is LL?

Landlord

kinger101

LL is landlord.

According to ansell, only CCJs will be accessible by agents/LL, so late payments aren't necessarily a problem (not sure if they see, or pay any attention to score).

6 months up-front is usually used for tenants with bad credit histories, which is why some LL might refuse.

It's normal for agents/LL to inquire about income so they can determine affordability. In the absence of letter from employer/wage slips, they need some way of verifying your income. Tax returns show your income.

It's well worth joining this (it's free).

https://www.moneysavingexpert.com/creditclub

Not least, it's a way of protecting your identity, and correcting any erroneous information on your history.

Peterdad

DCFC79 wrote: »

Its not a cartoon but real life.


As far as I know agents don't phone round the other letting agents asking if they had Peter on the books.

There's 3 agencies the agencies use, they possibly use them for just checking who you say you are, may other details too. They may check all 3 agencies or just use 2 or even 1.

Landlord

I am fully aware it is not a cartoon if I am allowed to ty and make a bit of light of it.

When I said agencies, I did not mean Equifax and the others. I meant agencies that work for estate agents (maybe landlords too) who in turn go to Equifax and the others.

Computer_Beginner

Some landlords get nervous about six months rent in advance, as it's a tactic used by illegal cannabis farmers.

OP, do you actually need to rent a whole house / flat to yourself?

Have you considered becoming a lodger?
Most lodger landlords have less stringent criteria, because the risk is less for them.

theartfullodger

Peterdad wrote: »

I was not planning on presenting copies of tax returns. Where did you read that?

I have not worked on the UK for some years as I said, so I did not pay taxes in the UK during that time. Why would an agency be interested in seeing tax returns?

Just because you are not working in UK doesn't necessarily mean you are not obliged to SA report income in UK: eg pensions, investments, rental income etc etc etc...

You'd stated

1- I am able to prove my income.

Might I 'umbly enquire how (ie using what mechanism) you can prove income, please? e.g. just showing, say, last 3 months invoices won't even prove income for last 3 months.. (it ignores expenses..)



Providing tax returns to anyone needing proof of income is very often the quickest and simplest way. But occasionally people are unwilling to do so as their reported income may be oddly low..(eg if using "creatice" accountancy). Or, conversely, reported income oddly high (eg if trying to get a mortgage..)

Peterdad

Computer_Beginner wrote: »

Some landlords get nervous about six months rent in advance, as it's a tactic used by illegal cannabis farmers.

OP, do you actually need to rent a whole house / flat to yourself?

Have you considered becoming a lodger?
Most lodger landlords have less stringent criteria, because the risk is less for them.

No, I need a whole place to myself as I will be spending most of my time in the house since I work for myself. I would not work with me anyhow.

Peterdad

theartfullodger wrote: »

Just because you are not working in UK doesn't necessarily mean you are not obliged to SA report income in UK: eg pensions, investments, rental income etc etc etc...

You'd stated Might I 'umbly enquire how (ie using what mechanism) you can prove income, please? e.g. just showing, say, last 3 months invoices won't even prove income for last 3 months.. (it ignores expenses..)



Providing tax returns to anyone needing proof of income is very often the quickest and simplest way. But occasionally people are unwilling to do so as their reported income may be oddly low..(eg if using "creatice" accountancy). Or, conversely, reported income oddly high (eg if trying to get a mortgage..)

My questions are about finding accommodation not the IR. Exactly, that is how tax returns can be of no use to prove income due to all kinds of deductions people make.

I have already explained above how I can prove my income. Income is income, that is it.
Also, read above: I will be offering paying rent in advance. If the landlord has the money safe in his account for several months he will not be worried in the least if I am paying too much for my Netflix subscription