New EICR to cover any changes made by outgoing tenant?10:00 AM, 4th May 2021
About 2 weeks ago 95
Plans to protect consumers from unresolved debts which can damage people’s credit ratings without them knowing have been unveiled.
The government has launched a consultation on how county court judgments (CCJs) are issued, after concerns were raised that some rogue companies were deliberately sending claims to consumers using incorrect addresses. Credit ratings can be devastated, and the issue may only come to light years later when the individual’s application for a mortgage, loan or car on finance is rejected.
A consultation launched today will seek formal evidence on the scale of the problem, and consult on how best to protect consumers and businesses.
Launching the consultation, Justice Minister Dominic Raab said: “We want to protect vulnerable consumers from abuse by rogue companies that can destroy the credit rating of innocent people without them even knowing about it.
“Debts should be paid, not exploited by a minority of cowboys who need reining in.”
Over the past four years, the number of CCJs has risen by almost two thirds (59%), with over one million issued in 2016.
Throughout this year evidence has been gathered and discussions conducted with consumer groups, advice organisations and across government to assess the scale of the issue and ensure the right proposals are made.
Work is also going on in other government departments. The government has already taken steps to tackle rogue private parking operators, including banning wheel clamping and towing.
They are considering how they can deliver standardised practice across all parking companies, eliminating unfair charges and reducing the instances of claims where the consumer may be unaware of a parking charge being applied.
” There is too little verification of Private rented sector tenants. Much is said AND legislated against Rogue Landlords ( and quite Rightly so. )
However, it should be acknowledge by government, that to be even-handed in the Money / Debt PRS system, it needs to be recognised that a proportion of Rogue Tenants, are detrimentally skewing the behaviour of trust by Private sector landlords, against certain tenants, affecting a wider section ( including some honest tenants that get caught up in this ) Its almost as if its ‘Not Politically correct to be supporting Landlords in any way, as if the majority of potential voters that could help the ailing government of the day, are tenants.
Also, one of the most backward steps in Debt, was the Debt Pre-Action Protocol in October that can be seen only to help and serve those who owe money to creditors, and to relieve the burden on a failing, struggling court system that government are bringing into self-funding at an alarming rate ( but that won’t serve smaller creditors, nor deter serial debtors.)
Some actions are actually only helping those who don’t intend to pay, to incur debts against honest and law-abiding, Tax-paying businesses ! “
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