I want my non paying tenant to have a CCJ

_Penny_Dreadful

@Mr_Goldmine, I suspect your solicitor is advising you to wait is so that you can make a total claim for the amount the tenant owes.  Once you submit your money claim online you can't go back and keep adding to it.  You also don't know what the state the property will be in once you finally regain possession, the deposit might not be enough to cover the cost of putting things right, minus betterment of course.

Winning a judgement is one thing, enforcing it is another.

pushpull

Mr_GoldMine said:

Yes this tenant really is a slimy one... Wants to get away without paying rent, laughing in our faces...  I don't want this tenant to be able to get any kind of credit or a mortgage, clearly can't be trusted. 

Don't take it personally.  You're running a business and occasionally someone will steal from you.  You need to take this on the chin rather than trying to exact revenge on them.

By all means try to warn others but do understand that you'll probably be throwing good money after bad. 

marcia_

Grizebeck said:

elsien said:

Grizebeck said:

Why do you want him to get a CCJ
Pretty meaningless 

Not if it impacts on them in the future. 

Actions. Consequences.
Even if the OP doesn’t get their money back. 

Sorry but a ccj really does not have the effect others think they have and many people simple do not care

 It may not bother the tenant initially that they have a ccj but will certainly bother them if they try and get any form of credit in the next 6 years and is refused 

km1500

it will also bother them if they try and rent again and a credit search is performed

simon_or

As others have said, do wait till the tenant is out, tot up the damages and claim in one go. You may or may not get anything from the tenant, but yes I would definitely get a CCJ against them if I could.

For the next let, make sure you get good quality rent guarantee insurance and do the required standard of reference checks as required by the policy. I let a few properties in outer London and only ever had one non-paying tenant (nothing as bad as this case!) which was covered by RGI.

You can either get it as an add on to your landlord's insurance or a standalone policy. In either case, the most important thing to get right is the tenant referencing requirements mentioned in the policy requirements. Without that, there's no chance of a successful claim.

ProDave

Surely the main objective here will be stop this T from renting another house and thus sparing another landlord from losing money.

Is there any other mechanism to flag this particular T to other landlords as "one to avoid"?  If not there SHOULD be some kind of blacklist that landlords have access to so they would know not to take on this T.

km1500

yes - the mechanism is a ccj and also some landlords require a reference from the previous landlord

ProDave

km1500 said:

yes - the mechanism is a ccj and also some landlords require a reference from the previous landlord

If that is the only mechanism, then the OP should pursue a CCJ.  The reference thing, the bad T will just say this is my first rental, so no check unless every LL refused to take on a T without a reference, but then it will become impossible for first time tenants?

Why does the "industry" not run a blacklist scheme where tenants who do not pay, wreck a property etc are blacklisted?  In this age where tenants are getting more rights and protection that should also come with rights and protection for LL's so they can easily avoid bad T's? 

subjecttocontract

Let's put this in perspective. A CCJ will cause anyone looking for a rental property a problem.
* Landlords will refuse to let to anyone with a CCJ.
* Landlords will ask for a reference from a previous landlord (as well as their employer & bank statements).
* Many landlords will take rent guarantee insurance.....so the application will fail to meet the criteria.
* My Agents don't entertain any applicant with a CCJ.
There are agents and landlords who don't carry out these checks but they are unlikely to be the best properties available.

subjecttocontract

ProDave said:

km1500 said:

yes - the mechanism is a ccj and also some landlords require a reference from the previous landlord

If that is the only mechanism, then the OP should pursue a CCJ.  The reference thing, the bad T will just say this is my first rental, so no check unless every LL refused to take on a T without a reference, but then it will become impossible for first time tenants?

Why does the "industry" not run a blacklist scheme where tenants who do not pay, wreck a property etc are blacklisted?  In this age where tenants are getting more rights and protection that should also come with rights and protection for LL's so they can easily avoid bad T's? 

Then many landlords will insist on the first time applicant providing a home owning guarantor.

I've been letting property for 20+ years, probably hundreds of tenants.....NEVER had a problem. Always ensure tenants qualify for Rent Guarantee insurance or insist on a home owning guarantor. A CCJ holder wouldn't get in the door. 

Plenty of good tenants without CCJs are available.