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Rent guarantor

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suzy5546
suzy5546 Posts: 5 Forumite
in House buying, renting & selling
My husband acted as a guarantor for his daughter's rent.


Last night the agent emailed him and said she hasn't paid for 3 months :-(. He will have to pay , but what actually happens next , will there be a ccj against him , is his credit rating effected or will it be a black mark against her credit rating though he will pay the debt ?
TIA
«13

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  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    Maybe if he pays asap then nothing else will happen.

    He should find out why she hasnt paid the rent.

    He could check his credit files, the credit rating or score is only seen by him, lemders see the history.
  • GrumpyDil
    GrumpyDil Posts: 1,632 Forumite
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    And letting agent's only see public data not the credit file.

    Don't worry about ccj as they would have needed to go to court, obtain a judgement and not had the judgement satisfied.

    As an aside it will be worth checking the guarantor agreement is valid and properly executed as there are formalities around guarantor agreement which, if not properly followed, could make the agreement unenforceable anyway.

    That's not to say that morally he shouldn't pay merely that legally he might not have to!
  • martindow
    martindow Posts: 10,221 Forumite
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    What does his daughter say? You need to find out what is going on as there may be other issues apart from not paying the rent.

    Is the daughter in a shared house? If so your husband may find himself being chased for other tenants' shortfalls and not just his daughter's.
  • suzy5546
    suzy5546 Posts: 5 Forumite
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    Its just her rent , she doesn't work many hrs .
  • Guest101
    Guest101 Posts: 15,764 Forumite
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    The simple answer is he needs to pay the rent.


    Subsequently he can take action against his daughter for the money, but at present she could be evicted, and he could get (eventually) a ccj.
  • Guest101
    Guest101 Posts: 15,764 Forumite
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    suzy5546 wrote: »
    Its just her rent , she doesn't work many hrs .
    That literally doesn't answer anything.


    Why doesn't she work more? Does she claim HB? How long has she been there?
  • suzy5546
    suzy5546 Posts: 5 Forumite
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    Wont she be evicted anyway as I doubt the landlord will want to carry on ?
  • suzy5546
    suzy5546 Posts: 5 Forumite
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    She chooses to only work part time and expects her dad to pay her rent it seems .
  • aneary
    aneary Posts: 921 Forumite
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    suzy5546 wrote: »
    She chooses to only work part time and expects her dad to pay her rent it seems .

    When is the current fix term up?

    He may have issues not being the guarantor if she decides not to leave.
  • suzy5546
    suzy5546 Posts: 5 Forumite
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    He may have issues not being the guarantor if she decides not to leave. ?


    Will she have a choice ? I presume the landlord wont be impressed ?
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