Renting with CCJ?

SDavies84

Hi,

I'm hoping you could advise me on my situation! Me and my partner are looking to move out of our rental property. (Our neighbours are a nightmare). We have always paid the rent on time and the landlord is very happy with us. My partner has just told me that he has recently got a CCJ... (He didn't have this before when we first rented our current house). Obviously now I'm concerned about whether we can get somewhere else. Is it possible that we could rent somewhere just taking my information into consideration? I.E. tell the landlord/letting agent that we would both be living in a property, but just use my salary/employment record/credit check to rent the property? He is on a much better salary than me, I am on £28000 and he is on £40000, but we would look at cheaper places than originally planned if we just take my salary into account.

Any advice would be great, thanks!

Slithery

Lettings agents usually require you to have an annual income of 30x the monthly rent.

If you can find a suitable property for £933p/m then go for it, otherwise you'll need to find a LL that is happy to rent to someone with a CCJ.

SDavies84

Slithery said:

Lettings agents usually require you to have an annual income of 30x the monthly rent.

If you can find a suitable property for £933p/m then go for it, otherwise you'll need to find a LL that is happy to rent to someone with a CCJ.

Thanks for this. Yes, I knew of the 30x which is OK for my salary and am happy to look at stuff around the £900 mark (would have preferred to look at things more like £1200 max, but I know I wouldn't be accepted on this). But would I be able just to rent in my name? But telling them that my partner would also be living there?

MovingForwards

How did he end up with a CCJ as there's several letters and court papers before CCJ is entered, then 28 days to pay it off before it stays for 6 years.
Has he now paid it off?
Some EA's are fine with it if it's paid off, others won't be.

IamWood

Unless some landlords find themselves in desperate situations, they would be reluctant to let their properties to someone who has CCJ. It's hard but it's reality. If the rent is under your only name, I'm afraid your partner would most unlikely be allowed to live there.

You'd better stay where you are, pay off the debt and clear the CCJ ASAP.

Slithery

IamWood said:

If the rent is under your only name, I'm afraid your partner wouldn't most likely be allowed to live there.

Rubbish. You can have anyone you want stay as a guest in your house.

IamWood

Slithery said:

IamWood said:

If the rent is under your only name, I'm afraid your partner wouldn't most likely be allowed to live there.

Rubbish. You can have anyone you want stay as a guest in your house.

Sure, short-term guests are absolutely fine, but permanently? I doubt it, not legally anyway.

Slithery

IamWood said:

Sure, short-term guests are absolutely fine, but permanently? I doubt it, not legally anyway.

For what possible reason could it be illegal? Citation needed.

[Deleted User]

IamWood said:

Slithery said:

IamWood said:

If the rent is under your only name, I'm afraid your partner wouldn't most likely be allowed to live there.

Rubbish. You can have anyone you want stay as a guest in your house.

Sure, short-term guests are absolutely fine, but permanently? I doubt it, not legally anyway.

Which piece of legislation makes it illegal for a tenant to have a partner move in with them? 

IamWood

Slithery said:

IamWood said:

Sure, short-term guests are absolutely fine, but permanently? I doubt it, not legally anyway.

For what possible reason could it be illegal? Citation needed.

I would think there is a guest clause in most rental agreements.

[Deleted User]

SDavies84 said:

Hi,

I'm hoping you could advise me on my situation! Me and my partner are looking to move out of our rental property. (Our neighbours are a nightmare). We have always paid the rent on time and the landlord is very happy with us. My partner has just told me that he has recently got a CCJ... (He didn't have this before when we first rented our current house). Obviously now I'm concerned about whether we can get somewhere else. Is it possible that we could rent somewhere just taking my information into consideration? I.E. tell the landlord/letting agent that we would both be living in a property, but just use my salary/employment record/credit check to rent the property? He is on a much better salary than me, I am on £28000 and he is on £40000, but we would look at cheaper places than originally planned if we just take my salary into account.

Any advice would be great, thanks!

If you are going to rent the property solely in your name I wouldn’t necessarily mention that your boyfriend will be living with you. Some letting agents get funny about it and might insist your boyfriend has to be a tenant too even when there’s no legal reason he has to be named on the tenancy to live there. 

Was the CCJ warranted? Anyway your boyfriend could get it set aside so that you could look at more expensive properties?