Moving in with partner- CCJ

KievLover

Marie569 said:

RogerBareford said:

Marie569 said:

Hello, I'm in need of a bit of advice. I posted on another Landlord forum so I know that landlords can be understandably unsure of CCJ tenants. I've been living at my property for over 4 years. I've always paid rent on time (or early), fully respected the property and neighbours, increased the value of the property by approved decorating and even forwarded my LL's mail to my own expense. I want to move my partner in as we are planning a family, we are going to be getting married also, our wedding was cancelled due to covid. The issue is my LL has been delaying the process by asking for different information sporadically instead of asking for the information in just one email and it's making the process last month's. My partner has a CCJ ( a shop catalogue that went bust and debt letters got delivered to a neighbours similar address meaning he only got the court letter) he started paying immediately and has repaid majority, we have shown my LL all of this information, including bank statements, proof of payments, utility bills etc all of the information and documentation we could possibly give, we have. (Including, the email in which the debt agency show they had the wrong address on the system) but to no avail. My LL said that it has to be fully paid off by next week and subject to another credit check before they'll even consider. We said that we can have it paid off by the end of this month (when we are paid wages) but we got no reply to this. I also have suspicion that another factor is the fact we are unmarried as they have asked when we are planning to get married, inbetween this process. My question is, can a LL legally request a non-rent CCJ be fully paid within a week? It all seems very aggressive to me. I completely understand LL being concerned and it is a tricky situation, hence my need for advice! 

- Please don't lecture on CCJ's and how we should be grateful she's even considering it because I understand the concern and I'm not ignorant to it, just need advice on next steps!

If your partner got the court letter then they could have immedietly paid the full amount and then the CCJ wouldn't have appeared on their record at all. So showing they had the wrong address is irrelevant because your partner had the letter from the court which is the one that matters and they must have known they owed the money before when they ordered from a catalog and never paid the balance.

So sending evidence of the wrong adress is a waste of time in my opinion but so is the landlord asking for all this information and then expecting it to be paid off before they move in.

I would simply say to the LL that you want to live with your partner and them making a silly mistake and getting a CCJ shouldn't be an issue. If they don't let them move in immedietly then you will be forced to find another property and then have the cost of finding new tenants.

At the end of the day you currently pay the rent yourself so having an extra person and sharing the costs is only going to a positive and not make it less likely the rent will be paid..

It was quite a lot of money at the time when my partner received the CCJ to pay it off in full as it just happened to be during lockdown and he was also in furlough but has paid majority off now and will be paying in full when he's paid at the end of this month. 
Thank you for your advice, it's a difficult situation. If she didn't want him moving in, i would just prefer a straight answer rather than delaying everything when we could be finding elsewhere.

"When we could be finding elsewhere."

Just a word of caution, it's an exceptionally tough market for renters at the moment. We looked all year last year, ended up in two unsuitable properties, and finally are now paying 40% more than we should be for a house we don't even like. The amount of hoops you have to jump through just to get a viewing is painful: 8 page application forms, agents saying 'no' to any reasonable request, landlords not bothering to make places look nice because they're being told they don't have to.

Please don't take any drastic action; having a rental home that you like at the moment is a really good place to be in.

I think I read the other day that demand is now so low that 44% of people are currently over-paying.

We even had to submit closed bids to a few last year. And these were not fancy places.

Your landlord is behaving like a rotter but please bear this information in mind: she's in a strong position, and almost all renters are not at the moment.

Marie569

KievLover said:

Marie569 said:

RogerBareford said:

Marie569 said:

Hello, I'm in need of a bit of advice. I posted on another Landlord forum so I know that landlords can be understandably unsure of CCJ tenants. I've been living at my property for over 4 years. I've always paid rent on time (or early), fully respected the property and neighbours, increased the value of the property by approved decorating and even forwarded my LL's mail to my own expense. I want to move my partner in as we are planning a family, we are going to be getting married also, our wedding was cancelled due to covid. The issue is my LL has been delaying the process by asking for different information sporadically instead of asking for the information in just one email and it's making the process last month's. My partner has a CCJ ( a shop catalogue that went bust and debt letters got delivered to a neighbours similar address meaning he only got the court letter) he started paying immediately and has repaid majority, we have shown my LL all of this information, including bank statements, proof of payments, utility bills etc all of the information and documentation we could possibly give, we have. (Including, the email in which the debt agency show they had the wrong address on the system) but to no avail. My LL said that it has to be fully paid off by next week and subject to another credit check before they'll even consider. We said that we can have it paid off by the end of this month (when we are paid wages) but we got no reply to this. I also have suspicion that another factor is the fact we are unmarried as they have asked when we are planning to get married, inbetween this process. My question is, can a LL legally request a non-rent CCJ be fully paid within a week? It all seems very aggressive to me. I completely understand LL being concerned and it is a tricky situation, hence my need for advice! 

- Please don't lecture on CCJ's and how we should be grateful she's even considering it because I understand the concern and I'm not ignorant to it, just need advice on next steps!

If your partner got the court letter then they could have immedietly paid the full amount and then the CCJ wouldn't have appeared on their record at all. So showing they had the wrong address is irrelevant because your partner had the letter from the court which is the one that matters and they must have known they owed the money before when they ordered from a catalog and never paid the balance.

So sending evidence of the wrong adress is a waste of time in my opinion but so is the landlord asking for all this information and then expecting it to be paid off before they move in.

I would simply say to the LL that you want to live with your partner and them making a silly mistake and getting a CCJ shouldn't be an issue. If they don't let them move in immedietly then you will be forced to find another property and then have the cost of finding new tenants.

At the end of the day you currently pay the rent yourself so having an extra person and sharing the costs is only going to a positive and not make it less likely the rent will be paid..

It was quite a lot of money at the time when my partner received the CCJ to pay it off in full as it just happened to be during lockdown and he was also in furlough but has paid majority off now and will be paying in full when he's paid at the end of this month. 
Thank you for your advice, it's a difficult situation. If she didn't want him moving in, i would just prefer a straight answer rather than delaying everything when we could be finding elsewhere.

"When we could be finding elsewhere."

Just a word of caution, it's an exceptionally tough market for renters at the moment. We looked all year last year, ended up in two unsuitable properties, and finally are now paying 40% more than we should be for a house we don't even like. The amount of hoops you have to jump through just to get a viewing is painful: 8 page application forms, agents saying 'no' to any reasonable request, landlords not bothering to make places look nice because they're being told they don't have to.

Please don't take any drastic action; having a rental home that you like at the moment is a really good place to be in.

I think I read the other day that demand is now so low that 44% of people are currently over-paying.

We even had to submit closed bids to a few last year. And these were not fancy places.

Your landlord is behaving like a rotter but please bear this information in mind: she's in a strong position, and almost all renters are not at the moment.

Such a tough situation. We want a straight answer but yet again today she read my message and ignored it. Awful time to be renting

KievLover

Marie569 said:

KievLover said:

Marie569 said:

RogerBareford said:

Marie569 said:

Hello, I'm in need of a bit of advice. I posted on another Landlord forum so I know that landlords can be understandably unsure of CCJ tenants. I've been living at my property for over 4 years. I've always paid rent on time (or early), fully respected the property and neighbours, increased the value of the property by approved decorating and even forwarded my LL's mail to my own expense. I want to move my partner in as we are planning a family, we are going to be getting married also, our wedding was cancelled due to covid. The issue is my LL has been delaying the process by asking for different information sporadically instead of asking for the information in just one email and it's making the process last month's. My partner has a CCJ ( a shop catalogue that went bust and debt letters got delivered to a neighbours similar address meaning he only got the court letter) he started paying immediately and has repaid majority, we have shown my LL all of this information, including bank statements, proof of payments, utility bills etc all of the information and documentation we could possibly give, we have. (Including, the email in which the debt agency show they had the wrong address on the system) but to no avail. My LL said that it has to be fully paid off by next week and subject to another credit check before they'll even consider. We said that we can have it paid off by the end of this month (when we are paid wages) but we got no reply to this. I also have suspicion that another factor is the fact we are unmarried as they have asked when we are planning to get married, inbetween this process. My question is, can a LL legally request a non-rent CCJ be fully paid within a week? It all seems very aggressive to me. I completely understand LL being concerned and it is a tricky situation, hence my need for advice! 

- Please don't lecture on CCJ's and how we should be grateful she's even considering it because I understand the concern and I'm not ignorant to it, just need advice on next steps!

If your partner got the court letter then they could have immedietly paid the full amount and then the CCJ wouldn't have appeared on their record at all. So showing they had the wrong address is irrelevant because your partner had the letter from the court which is the one that matters and they must have known they owed the money before when they ordered from a catalog and never paid the balance.

So sending evidence of the wrong adress is a waste of time in my opinion but so is the landlord asking for all this information and then expecting it to be paid off before they move in.

I would simply say to the LL that you want to live with your partner and them making a silly mistake and getting a CCJ shouldn't be an issue. If they don't let them move in immedietly then you will be forced to find another property and then have the cost of finding new tenants.

At the end of the day you currently pay the rent yourself so having an extra person and sharing the costs is only going to a positive and not make it less likely the rent will be paid..

It was quite a lot of money at the time when my partner received the CCJ to pay it off in full as it just happened to be during lockdown and he was also in furlough but has paid majority off now and will be paying in full when he's paid at the end of this month. 
Thank you for your advice, it's a difficult situation. If she didn't want him moving in, i would just prefer a straight answer rather than delaying everything when we could be finding elsewhere.

"When we could be finding elsewhere."

Just a word of caution, it's an exceptionally tough market for renters at the moment. We looked all year last year, ended up in two unsuitable properties, and finally are now paying 40% more than we should be for a house we don't even like. The amount of hoops you have to jump through just to get a viewing is painful: 8 page application forms, agents saying 'no' to any reasonable request, landlords not bothering to make places look nice because they're being told they don't have to.

Please don't take any drastic action; having a rental home that you like at the moment is a really good place to be in.

I think I read the other day that demand is now so low that 44% of people are currently over-paying.

We even had to submit closed bids to a few last year. And these were not fancy places.

Your landlord is behaving like a rotter but please bear this information in mind: she's in a strong position, and almost all renters are not at the moment.

Such a tough situation. We want a straight answer but yet again today she read my message and ignored it. Awful time to be renting

It really is. We absolutely hate where we live, and after spikes this week thanks to Russia, we're nowing paying £465 a MONTH just for heating and hot water oil on a crusty, old, 270 year old house with a terrible landlord, but we're stuck here, because we have two cats and we can't find a good house to buy for love nor money atm.

You'll just have to try to be patient and placate whatever LL wants for now. Keeping my fingers crossed for you.