referencing with RENTSHEILD via CHEFFINS ESTATE AGENTS

System

bassett111 wrote: »

I think it is more this credit reference company they are using.
On further investigation it turns out she only has two CCJ's. a further two were swapped over onto her property as charges. and one discharged.

So Experian are incorrect as well. Just callcredit were REALLY wrong!

The issue will actually lie with the initial lenders and the credit agencies only hold information they are given. Your friend will need to contact the companies that registered the CCJs and ask them to amend/correct the information they supplied to the relevant agencies alternatively she can lodge a statement of correction against her report will all 3, this wont remove them but will add an explanation as to why they are there.


in all honesty I very much doubt will make much difference as she will still have the CCjs on her record for 6 years from when they were registered

bassett111

Cakeguts wrote: »

I would just like to say that someone with 3 CCJs would not get the tenancy of one of our properties. We have rented to people with one but 3 I think would put most landlords off because it shows a lack of being able to manage money.



So the landlady in question was taking a risk to start with.When they found out that the lady in question had not told them about all the debt she might have worried that the tenant was trying to get the tenancy by witholding information. No landlord wants a tenant who is not totally truthful about their financial situation.

CCJ's do not neccessarily mean "lack of being able to manage money" at all.
Quite the opposite in some case. Faced with financial problems that are not caused by you does not make you unable to manage money.

there are thousands of reasons people get CCJ's. You think everyone gets them because "they"can't manage money?
What a very short sighted and narrow view.
She had told them of all the CCJ's (actually said 3 instead of 2). A bogus reference from call credit showing discharged CCJ's and CCJ's turned into charges is not withholding information at all. Where was she not being truthful? The only ones not being truthful is RENTSHEILD.
If I was renting out a property I would certainly not take these companies information as gospel from what I have learnt. 12months upfront rent refused because of false information by RENTSHEILD.....I would not be happy about that.
But I guess it's easy for the Estate Agents to screw over rentals by "making" them pay extortionate fees nowadays just to "Apply". knowing full well they will fail and you get to keep the "Fees"!


Disgusting behaviour.

DoaM

bassett111 wrote: »

12months upfront rent refused because of false information by RENTSHEILD

It's already been said several times but you're not listening ... it wasn't RENTSHIELD who gave "false" information; it was the credit reference agency that gave them the information they held on file. It's not RENTSHIELD's fault if that information was out of date - it was the fault of the original lenders not updating all of the commonly-used reference agencies.

But I expect you'll not listen this time either.

System

DoaM wrote: »

It's already been said several times but you're not listening ... it wasn't RENTSHIELD who gave "false" information; it was the credit reference agency that gave them the information they held on file. It's not RENTSHIELD's fault if that information was out of date - it was the fault of the original lenders not updating all of the commonly-used reference agencies.

But I expect you'll not listen this time either.

Always easier the blame someone else when the out come doesn't suit.

Cakeguts

bassett111 wrote: »

She told them about 3 ccj's that she has and were on her credit report from Experian.

This "new" credit reference is wrong as I explained in the original post so there was nothing to tell. So all trust from Estate Agencies has gone out the window by using bogus and false credit information.
She did explain as I said in the original post that all CCj's were being paid off after the sale of her property.
Seems very odd to me that someone knowing the facts and being offered 6 months upfron rental costs with a further 6 months in 4 months time would go back on their word having known the exact amount in the beginning. If she had 10 ccjs with 50k owing there is still zero risk as the LL has the money.

There is an enormous risk to the landlord. Someone who has a lot of debts is willing to pay 6 months rent in advance but after the 6 months they do not have to leave the property. The landlord could be faced with months and months of non payment of rent after the 6 months and before they can get a court to award possession. They aren't going to take this risk with someone with this amount of debt.

steampowered

bassett111 wrote: »

She told them about 3 ccj's that she has and were on her credit report from Experian.

This "new" credit reference is wrong as I explained in the original post so there was nothing to tell.

If the information on your friend's credit report is wrong, it is his/her responsibility to contact the credit reference agencies to have that corrected.

So all trust from Estate Agencies has gone out the window by using bogus and false credit information.
She did explain as I said in the original post that all CCj's were being paid off after the sale of her property.
Seems very odd to me that someone knowing the facts and being offered 6 months upfron rental costs with a further 6 months in 4 months time would go back on their word having known the exact amount in the beginning. If she had 10 ccjs with 50k owing there is still zero risk as the LL has the money.

As a landlord, I'm sorry but there is no way I would be renting to your friend if the credit report said something different to what I'd been told.

If your friend says one thing and the credit report says another, I would believe the credit report.

bassett111

DoaM wrote: »

It's already been said several times but you're not listening ... it wasn't RENTSHIELD who gave "false" information; it was the credit reference agency that gave them the information they held on file. It's not RENTSHIELD's fault if that information was out of date - it was the fault of the original lenders not updating all of the commonly-used reference agencies.

But I expect you'll not listen this time either.

It may well have been already said. I don't have to agree with a flawed argument just because you write it twice.


RENTSHEILD did give the false information. How they got the false information is irrelevant. THEY provided the false information (regardless of who gave it to them) back to CHEFFINS ESTATE AGENTS.
It is RENTSHEILDS fault as they are the ones claiming to do a correct service that clearly is not.

Cakeguts

bassett111 wrote: »

It may well have been already said. I don't have to agree with a flawed argument just because you write it twice.


RENTSHEILD did give the false information. How they got the false information is irrelevant. THEY provided the false information (regardless of who gave it to them) back to CHEFFINS ESTATE AGENTS.
It is RENTSHEILDS fault as they are the ones claiming to do a correct service that clearly is not.

It won't make any difference. 2 CCJs and a charge on the house would be more than enough to put most landlords off renting to anyone.

bassett111

Cakeguts wrote: »

It won't make any difference. 2 CCJs and a charge on the house would be more than enough to put most landlords off renting to anyone.

Although the charge is nothing to do with them. A charge is just a debt secured against a property. Has nothing to do with anyone in this situation.
CHEFFINS apparently suggested the 6 months payment. So they were not neccesarily excluding her based on CCJ's. Just the flase report from RENTSHEILD. With no oppourtunity to amend ot correct it. Pure discrimination.

bassett111

steampowered wrote: »

If the information on your friend's credit report is wrong, it is his/her responsibility to contact the credit reference agencies to have that corrected.


As a landlord, I'm sorry but there is no way I would be renting to your friend if the credit report said something different to what I'd been told.

If your friend says one thing and the credit report says another, I would believe the credit report.

and if a different credit report is produced (from Experian not callcredit) with documentory evidence to prove that RENTSHEILD one is bogus how would you react then?


Do you pay these company's to carry out the credit reference for you or do you demand the tenant pay it in advance to a company of your stipulation?