Couple renting, credit of one good, the other bad

GFBrown

inmypocketnottheirs wrote: »

In an ideal world. yes. But in the real world, no. Why? Because how can a landlord be 100% certain that the rent responsible person will be the one that stays?/quote]

So you agree that such a contract would be ideal. You hesitate to support the idea because a landlord can't be 100% sure that the rent-responsible person would remain in the property, but is that not what the contract would protect them against? Would that not be the purpose of the contract? Your point is that a landlord can't be 100% sure that the tenants abide by the contract...you could say that for any tenancy contract then.

inmypocketnottheirs

GFBrown wrote: »

inmypocketnottheirs wrote: »

In an ideal world. yes. But in the real world, no. Why? Because how can a landlord be 100% certain that the rent responsible person will be the one that stays?/quote]

So you agree that such a contract would be ideal. You hesitate to support the idea because a landlord can't be 100% sure that the rent-responsible person would remain in the property, but is that not what the contract would protect them against? Would that not be the purpose of the contract? Your point is that a landlord can't be 100% sure that the tenants abide by the contract...you could say that for any tenancy contract then.

Please explain how the person that should not stay be removed and how would the person that should stay be pursued to fulfil their obligation. I'm not saying it is a bad idea, in principle, but in execution it would be full of holes. The only way a landlord can ensure to the maximum is to only allow creditworthy tenants. Anything else is just a recipe for disaster.

GFBrown

inmypocketnottheirs wrote: »

The only way a landlord can ensure to the maximum is to only allow creditworthy tenants. Anything else is just a recipe for disaster.

The fact is that we can pay six months' rent in advance and have various people we can call upon for guarantors. However, I am incensed not that I can’t secure the property I want (I can) but that credit rating takes precedence over any other element of an individual’s/couple’s ability to meet rent. In actuality, when ALL factors are taken into consideration then there will be situations where a person with poor credit will be less of risk than one categorized to have good.
The credit rating system is revealed time and time again to give a skewered interpretation of the status quo. To take it as law that a person who has been determined ‘risky’ by their credit score is conclusively more of a risk than one who has not, regardless of any other circumstances, is irrational and demonstrates not only an inability to make objective judgments but an illogical reverence for an evidently flawed system.

Catblue

GFBrown,

Instead of getting angry at the use of credit ratings, and the inflexibility of landlords up and down the land, why are you not getting angry at your partner?

After all, it is his fault that he has a CCJ and his fault that you are in the position that you are in.

You can rail against the system as much as you like but it won't change anything.

If you really want to change something, maybe your energies should be focused on encouraging him to clean up his credit history - that's the only way that this situation may be avoided in the future.

fimonkey

GFBrown, I've been reading this with interest and fully supoprt your anger at "the computer says no" generation (it's rife in the insurance industry too, but that's another soapbox for me).

However, as you've found out, you're unlikely to get sympathy from these boards, merely people bleeting on about how they are out to protect themselves, that the law is the law and ridiculous rules are ridiculous rules, it's all your own fault and you (or your partner) don't deserve a second chance unitl you fit in with 'The Rules' and it's fine for 'risk/benfit' to be based solely on statistics (which in themselves can be flawed) at the expense of any human compassion or common sense.

All in all it just shows me what a ridiculous society we live in, everyone is increasingly out for themselves only nowadays. It also shows what a great job the legal eagles in this country (a profession that needs a major over-hall... soapbox number 2!) have done at making us paranoid and obsessed with documents and signatures.

That's my rant over (and to the many others on this board feel free to aim your guns at me)... All I can say GFB is that you won't change 'The System' (even if the system is so fundamentally flawed as so many are) so don't even bother..Channel your energies instead into finding a private landlord that will consider your case on human merit and treat you as the human being you are. I'm sure (hopeful at least) there are still some out there.

(And don't bother getting angry at your partner as CatBlue suggests, what will that achieve? You'll be mad at 'The System' and taking it out on them? Not particularly fair or conducive to a good relationship.

Catblue

fimonkey wrote: »

(And don't bother getting angry at your partner as CatBlue suggests, what will that achieve? You'll be mad at 'The System' and taking it out on them? Not particularly fair or conducive to a good relationship.

Read my post again, fimonkey. I didn't say that she should be getting angry with her partner. I merely asked why she wasn't getting angry with him. It was a question.

And how about taking individual responsibility for our own mistakes? Blaming the system, and then saying don't even bother to try to change it is just self-pitying, whinging claptrap.

GFBrown

Catblue wrote: »

You can rail against the system as much as you like but it won't change anything. .

Really? Consumers are powerful, and we have a collective voice far louder than at any other time in history. I would say change is happening, everywhere, I may be angry but I am optimistic too. Anyone who adopts a system without thought is a machine.

I’m not angry with my partner because he’s extremely good with money and has been the entire time I’ve known him. A few years ago he went to Australia and messed up on paying off a store card.

You cannot assume that bad credit rating equals bad with money. People who have never taken a loan or used a credit card find it hard to secure loans because they’re too good with money, not bad.

My partner and I are far luckier than a lot of people; we have a decent income and few commitments. I’m not even suggesting that the credit rating system be scrapped; I’m calling for it to be used with more thought and in the appropriate context. I’m saying that it should not be the authority.

It really is the power given to the system that baffles me, together with people's readiness to abide by it.

izzybusy23

Boasting? Really? Where did you read that?

And anyway, his attitude to pregnant women really is irrelevant to your problem. At the end of the day, it's his house and he can do what he likes with it.

Thats exactly what is wrong with the whole BTL business. 'Its my house, you say as I do'... still, those particular LL's will eventually get their fingers burnt.

Sorry, but in my honest opinion, BTL is the scurge of britain.... I am sick of this whole 'poor you, you can't afford a house so rent mine at a premium but your gonna have to get rid of your dog, stop smoking, god help you if you lose your job and need DHSS.. oh and forget about having any kids.... and don't even think about making it homely by sticking holes in the walls otherwise I'll charge you extortionate redecorating fee's'. I'm suprised people are allowed to fart in the confines of those four walls without some restriction being slapped on them.

Edited to say, I am a renter and RESENT it big time... I hate it and its limitations. Not that I have had to forgoe anything in order to rent this house, but many many people do. Its total discrimination and its stinks. We don't accept discrimination in any other context, so why are we allowing LL's to dictate our lives and be bullies?

inmypocketnottheirs

izzybusy23 wrote: »

Boasting? Really? Where did you read that?

And anyway, his attitude to pregnant women really is irrelevant to your problem. At the end of the day, it's his house and he can do what he likes with it.

Thats exactly what is wrong with the whole BTL business. 'Its my house, you say as I do'... still, those particular LL's will eventually get their fingers burnt.

Sorry, but in my honest opinion, BTL is the scurge of britain.... I am sick of this whole 'poor you, you can't afford a house so rent mine at a premium but your gonna have to get rid of your dog, stop smoking, god help you if you lose your job and need DHSS.. oh and forget about having any kids.... and don't even think about making it homely by sticking holes in the walls otherwise I'll charge you extortionate redecorating fee's'. I'm suprised people are allowed to fart in the confines of those four walls without some restriction being slapped on them.

Edited to say, I am a renter and RESENT it big time... I hate it and its limitations. Not that I have had to forgoe anything in order to rent this house, but many many people do. Its total discrimination and its stinks. We don't accept discrimination in any other context, so why are we allowing LL's to dictate our lives and be bullies?

Jealousy is such a negative emotion. Just as well as there are BTL landlords or where would you be living? In a cardboard box or bus shelter? If you don't like renting, buy. You could be like me, work hard, make sacrifices, put improvements on your tenanted properties ahead of your own home. You would then be taking personal responsibility, for your own wealth and financial provision for the future. The fact that you can't hack it and do as I have done, should not make you resentful or BTL LL, but grateful to them.

Some people!

inmypocketnottheirs

izzybusy23 wrote: »

Boasting? Really? Where did you read that?

And anyway, his attitude to pregnant women really is irrelevant to your problem. At the end of the day, it's his house and he can do what he likes with it.

Thats exactly what is wrong with the whole BTL business. 'Its my house, you say as I do'... still, those particular LL's will eventually get their fingers burnt.

Sorry, but in my honest opinion, BTL is the scurge of britain.... I am sick of this whole 'poor you, you can't afford a house so rent mine at a premium but your gonna have to get rid of your dog, stop smoking, god help you if you lose your job and need DHSS.. oh and forget about having any kids.... and don't even think about making it homely by sticking holes in the walls otherwise I'll charge you extortionate redecorating fee's'. I'm suprised people are allowed to fart in the confines of those four walls without some restriction being slapped on them.

Edited to say, I am a renter and RESENT it big time... I hate it and its limitations. Not that I have had to forgoe anything in order to rent this house, but many many people do. Its total discrimination and its stinks. We don't accept discrimination in any other context, so why are we allowing LL's to dictate our lives and be bullies?

Jealousy is such a negative emotion. Just as well as there are BTL landlords or where would you be living? In a cardboard box or bus shelter? If you don't like renting, buy. You could be like me, work hard, make sacrifices, put improvements on your tenanted properties ahead of your own home. You would then be taking personal responsibility, for your own wealth and financial provision for the future. The fact that you can't hack it and do as I have done, should not make you resentful of BTL LL, but grateful to them.

Some people!