We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Renting with CCJ? Help needed
Jessicaannestevens
Posts: 4 Newbie
Hi there,
Me and my partner are currently looking for a 2 bedroom house to rent. He is only on an income of 12,000 a year and I’m unemployed however we are looking to rent for 12 months and my partners dad is paying the whole year for us while my partner moves to a better paid job and I have the baby (due in March). He’s offered to pay it monthly or the whole year upfront.
We have both done our own credit checks with Noddle and our credit scores are low and my partner has a CCJ which he never knew about and thought the debt led to that was settled as he has set up a direct debit to pay it back gradually. We never received a letter from the court just a letter from Lowell solicitor and when my partner set up the direct debit they said they’d remove it!
We’ve viewed a property and are interested ( they know about the low income etc) With his dad being a guarantor and offering to pay the year or 6 months upfront do we even have a chance with the letting agents and landlord?
I just don’t want to waste our or their time....
Me and my partner are currently looking for a 2 bedroom house to rent. He is only on an income of 12,000 a year and I’m unemployed however we are looking to rent for 12 months and my partners dad is paying the whole year for us while my partner moves to a better paid job and I have the baby (due in March). He’s offered to pay it monthly or the whole year upfront.
We have both done our own credit checks with Noddle and our credit scores are low and my partner has a CCJ which he never knew about and thought the debt led to that was settled as he has set up a direct debit to pay it back gradually. We never received a letter from the court just a letter from Lowell solicitor and when my partner set up the direct debit they said they’d remove it!
We’ve viewed a property and are interested ( they know about the low income etc) With his dad being a guarantor and offering to pay the year or 6 months upfront do we even have a chance with the letting agents and landlord?
I just don’t want to waste our or their time....
0
Comments
-
If they know and haven't said no then you must have a chance. It's not really that different to letting to students, so even if this LL decides not to rent to you there will be one somewhere who will.
Good luck with the letting, the baby and you partner's new job.0 -
They don’t know about the CCJ as of yet until I speak with them tomorrow but they know about the rest of our circumstances! That gives me abit of hope, I always feel put off trying again when I have a bad encounter if we get a no from these then hopefully I’ll be brave enough to go ahead to different people!
Thank you so much x0 -
Have they asked if either of you have a CCJ?0
-
No they haven’t yet. They said if we were interested in the property moving forward they’d check for CCJ and DMP.
But before the checks I may just say to them this is what we’ve found before progressing any further do we still have a chance and hopefully it’ll be a yes! Wishful thinking!0 -
Hi Jessica,
If you haven't already, I would suggest looking for more private rentals that skip out the agents. Try places like gumtree. As a LL I advertise on gumtree and I find being able to meet and speak to prospective tenants directly before doing the checks is vastly more useful than hearing it secondhand through a letting agent. A letting agent will likely just say... couple, low income, CCJ, avoid.
Also it save you tons of ridiculous fees (unless you are in scotland). Just make sure the LL is knowledgeable about current regs (gas safety, deposits, smoke alarms etc)0 -
Jessicaannestevens wrote: »No they haven’t yet. They said if we were interested in the property moving forward they’d check for CCJ and DMP.
But before the checks I may just say to them this is what we’ve found before progressing any further do we still have a chance and hopefully it’ll be a yes! Wishful thinking!
They wouldn't know about a DMP, or most other things. Letting agents only see public data - so for example a CCJ, IVA, Bankruptcy.
So really you should limit what you tell them, but definitely mention the CCJ.0 -
Spoke Monday to the estate agents with regard to ccj etc and he told the landlord the circumstances before we proceeded to paying for the reference checks and she was happy to go ahead! Me and my partner have filled in the references etc on the same day (Monday) but haven’t heard back as of yet.
Checked the house on right move and they’ve put let agreed so hopefully we will have some news soon.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards