Problems renting with bad credit? Child?

binnie

Thats s shame Blue Monkey, could have done with a good laugh. Just watched World Trade Centre movie and it was very emotional.

How are you? Holding up I'm sure.
Let me know also how you are getting on.

xxx

GarethK

binnie wrote: »

I will keep my fingers crossed for you Gareth, sounds a nice place.
Hope you get sorted, let us all know.

Looks like you can spell Guarantor now too

xxx

Guarantor was never a word i was taught how to learn at school, and let's face it ,with an E in English GCSE i do a half decent job of putting a post together

GarethK

Had a mail back today, i am transfering the deposit to her bank account tomorrow and given the 16ht Feb as a move in date, subject to references of course, but there is no problem there. My father is the guarantor and i have given her his details including phone number, i understand she is going to call him to confirm.

So touch wood, we are sorted! I wont believe it until we actually move in of course!

I've already shampoo'ed the carpet in the current property, as the traffic area was getting pretty bad and its come up a treat. A few bits of touching up here and there were you get the inevitable mark on the wall from living in a house and thats pretty much it. Going on the houses i saw yesterday, i am a bit shocked at the condition some tenants have left a property in.

I can honestly say this house will be cleaner than when we moved in!

Gareth

GarethK

I have been asked from my potential new landlord for past previous addresses and dates, i have no problem with giving my previous address to this, but the most recent i am concerned about in case this means she can contact the current landlord, i have nothing to hide of course, i just think she wont give a good reference, cut the point i think she just doesnt like me and feels i've messed her about with a standing order instead of a DD but as mentioned before it wasnt possible to do a DD only a SO and she has always got her money every month.

Gareth

paintpot

Hi

This would suggest to me that your new landlord is going to credit check you as the information she is asking for is required for credit checking purposes generally but I can't say for definite. If the new landlord isn't asking for contact details then the info you need to supply won't help her much with references as it will be unlikely she will track you old landlords down with these details. Why not contact your new LL and ask them what checks they are planning to do etc. You can play it to your advantage, ie. you have nothing to hide but you want to help them make the process as speedy and pain free as possible so you know you have secured the house. Your current LL should be honest, I don't understand their issue with the rent being received by stading order, that's normal and if you have paid your rent this way, your bank statements should stack up with your tenancy agreement and show you paid monthly and on time so you can prove this to your new LL.

GarethK wrote: »

I have been asked from my potential new landlord for past previous addresses and dates, i have no problem with giving my previous address to this, but the most recent i am concerned about in case this means she can contact the current landlord, i have nothing to hide of course, i just think she wont give a good reference, cut the point i think she just doesnt like me and feels i've messed her about with a standing order instead of a DD but as mentioned before it wasnt possible to do a DD only a SO and she has always got her money every month.

Gareth

GarethK

paintpot wrote: »

Your current LL should be honest, I don't understand their issue with the rent being received by stading order, that's normal and if you have paid your rent this way, your bank statements should stack up with your tenancy agreement and show you paid monthly and on time so you can prove this to your new LL.

The issue was the fact it came out of my account on the 1st but didnt clear until 3 days later, and twice in the 8 months we have been here i've had heated conversations debating why i could not set up a direct debit instead of a standing order, in fact twice i told her i could not do a DD and with my previous job i was paid on the last day of the month so rent couldnt come out until the 1st anyway, she claimed she was going overdrawn or something similar and whilst i understand this, there wasnt really another solution

The way around it would have been to suggest either cash (awkward) or make sure she had enough funds for the 3 days at the beginning of the month.

She understood from day one that i got paid the last working day of the month so money couldnt come out before then, as i said on another thread i think that is the reason why we had a S21 served on us because she feels i've had the upper hand and possibly dictated to her about this, when really i was just saying what i believed to be correct.

This month would have been worse because the 1st was a bank holiday, so she would have had to wait an extra day and it seems no coincidence the notice was served just a few days after.

I'm loathed to contact her, having already tried just before the weekend and not got a response back from her.

There is also another issue in the inventory which again i've mentioned on another thread and you may be able to help me with.

2 copies of the inventory were given to me for signing, however it was not detailed and was literally just a sheet of paper saying what was in the house, no notes like marks on wallpaper, is this legally binding? My copy only has my signature. The house is in good order, apart from a few marks on the walls around light switches which will be touched up before we leave, i just really cannot afford to lose any of the deposit OR risk her giving a bad reference to our new landlord.

Gareth

paintpot

Re the rent, technically she is entitled to receive the rent on the date stipulated in the tenancy agreement so she has a point but if she knew the score with your pay day then there are ways around it, like she could have changed her mortgage payment date perhaps. Anyway, what's done is done now.

Re the deposit, a landlord needs a signed inventory/schedule of condition if they are to successfully deduct money from the deposit. A list of items e.g an inventory is not good enough if it doesn't state the condition of the item because there is nothing to benchmark the condition it was in when moved in to the condition now. Also, landlords have to allow for "fair wear and tear" which will depend on how long you have lived there but the odd mark on paint work would be fair wear and tear in my book.

If your tenancy started after 6th April 2007 your landlord was required to protect your deposit under the new deposit laws. If it wasn't required to be protected, there is nothing to stop your landlord being difficult about returning it and they may (unjustifiabley) try and deduct from it. If they do, post back on here for help. Hopefully that won't happen but the reason the new laws came into force was to stop this happening.

GarethK wrote: »

The issue was the fact it came out of my account on the 1st but didnt clear until 3 days later, and twice in the 8 months we have been here i've had heated conversations debating why i could not set up a direct debit instead of a standing order, in fact twice i told her i could not do a DD and with my previous job i was paid on the last day of the month so rent couldnt come out until the 1st anyway, she claimed she was going overdrawn or something similar and whilst i understand this, there wasnt really another solution

The way around it would have been to suggest either cash (awkward) or make sure she had enough funds for the 3 days at the beginning of the month.

She understood from day one that i got paid the last working day of the month so money couldnt come out before then, as i said on another thread i think that is the reason why we had a S21 served on us because she feels i've had the upper hand and possibly dictated to her about this, when really i was just saying what i believed to be correct.

This month would have been worse because the 1st was a bank holiday, so she would have had to wait an extra day and it seems no coincidence the notice was served just a few days after.

I'm loathed to contact her, having already tried just before the weekend and not got a response back from her.

There is also another issue in the inventory which again i've mentioned on another thread and you may be able to help me with.

2 copies of the inventory were given to me for signing, however it was not detailed and was literally just a sheet of paper saying what was in the house, no notes like marks on wallpaper, is this legally binding? My copy only has my signature. The house is in good order, apart from a few marks on the walls around light switches which will be touched up before we leave, i just really cannot afford to lose any of the deposit OR risk her giving a bad reference to our new landlord.

Gareth

GarethK

Thanks once again for your help paintpot !

So essentially the 'inventory' is useless? The last house had five full pages including all marks on walls (small dint in plaster!)

Is she allowed to give a bad reference? I know if you apply for a new job and give a previous employer they have to give either a good reference or refuse to give one.

It's a difficult one, the lady is a shrewed businesswoman and i think would revel in making my life difficult!

Gareth

paintpot

Hi, basically, it sounds pretty useless to me and if it is as useless as it sounds then she would be hard pressed to make it stick in a court of law if she tried to use it as a basis for making deductions from a deposit.

Regarding refs, like I said, she should be honest and stick to facts rather than opinions as an employer should, whether she does is different. For example if asked about the rent she should say " there were x number of occasions when the rent was a couple of days late" rather than "the tenant was rubbish at paying the rent and it was always late".

Re your deposit, if your current LL isn't responding to calls, why not write to them, have you served the proper notice?, state the date you are moving out, and ask them to make contact with you regard to making arrangements for the return of the keys, the check out and return of the deposit.

Try and stop worrying, contact your new LL, find out what checks they are doing and maybe agree a day to speak for an update. If they come across any problems then they will tell you I am sure, you can then counter those arguements as you have done here.

GarethK wrote: »

Thanks once again for your help paintpot !

So essentially the 'inventory' is useless? The last house had five full pages including all marks on walls (small dint in plaster!)

Is she allowed to give a bad reference? I know if you apply for a new job and give a previous employer they have to give either a good reference or refuse to give one.

It's a difficult one, the lady is a shrewed businesswoman and i think would revel in making my life difficult!

Gareth

binnie

Hi Gareth,
Still keeping my fingers crossed for you and girlfriend, hope all goes well.

Belinda