Farce of credit searches and court judgements

Farce of credit searches and court judgements

9:15 AM, 21st February 2017, About 5 years ago 16

Text Size

It is supposed to be easy to find out if a prospective tenant has any county court judgements and general poor credit, but this is not the case.bad experience

CCJ’s are supposed to follow you around like a “bad smell”, and yet the reality is very different. Experian state they are informed of all CCJ’s for a particular person and yet if the person decides to use a series of addresses, that information seems to get lost. Experian will not comment, surprise!

The moral of this is FULL REFERENCING, including not only the “friends and family” address, but the one before that, and the one before that one as well.

Prospective landlords, ask for a credit report, Noddle do one for free, it will have all the address information going back years, I know, mine has.

Just don’t rely on a simple reference, done on the quick by a letting agent, whose only concern is to get a tenant into your property, and get their fee.

Stephen



Comments

by Sarah Fowler

11:04 AM, 23rd February 2017, About 5 years ago

Reply to the comment left by "Monty Bodkin" at "21/02/2017 - 22:05":

Yes, when I contacted Trust Online this is what they said:
"Possession orders can be registered if they are for a monetary award; however they are only recorded on the public Register if action has been taken to enforce payment of the monetary award"
The question is How can I enforce payment if the tenant doesn't give a forwarding address?
I now understand why his credit report is fine. The law really is on the side of the rogue tenant.

by Sarah Fowler

11:07 AM, 23rd February 2017, About 5 years ago

Reply to the comment left by "Monty Bodkin" at "21/02/2017 - 22:05":

Yes, when I contacted Trust Online this is what they said:
"Possession orders can be registered if they are for a monetary award; however they are only recorded on the public Register if action has been taken to enforce payment of the monetary award"
The question is How can I enforce payment if the tenant doesn't give a forwarding address?
I now understand why his credit report is fine. The law really is on the side of the rogue tenant.

by Sarah Fowler

11:09 AM, 23rd February 2017, About 5 years ago

Reply to the comment left by "Monty Bodkin" at "21/02/2017 - 22:05":

Yes, when I contacted Trust Online this is what they said:
"Possession orders can be registered if they are for a monetary award; however they are only recorded on the public Register if action has been taken to enforce payment of the monetary award"
The question is How can I enforce payment if the tenant doesn't give a forwarding address?
I now understand why his credit report is fine. The law really is on the side of the rogue tenant.

by Jan Martin

11:46 AM, 23rd February 2017, About 5 years ago

Reply to the comment left by "Sarah Fowler" at "23/02/2017 - 11:04":

Sarah your previous message reads that the tenant is still in your property .If this is correct the thats the address you use .
Tenants wont give you forwarding address especially if you evict them and they owe money.
If you have no idea where they are then you need to use a company to find them . Need to wait around 3 months usually for them to get link especially if they are dodging many creditors .
I have always used section 21 if i need to evict and have always claimed seperately for any arrears. If claim online then they automatically register judgement after the period of time for payment has lapsed and you let them know online.
When in the past I have gone to the local court for monies owing and been given a judgement then I found they dont automatically register the judgement and I have to write to them and ask them to do so .
I read that some of your comments say I am wrong.
I can only tell you about my own experiences in order to help you .

by Sarah Fowler

12:09 PM, 23rd February 2017, About 5 years ago

Reply to the comment left by "Jan Martin" at "23/02/2017 - 11:46":

Sorry Jan, I do appreciate all the advice I can get. This is all new to me and it's hard not to get bitter about it all. Btw, the eviction is planned for next week but I'm not holding my breath because this tenant is running rings around our solicitor. He'll have something up his sleeve.

by Jan Martin

13:00 PM, 23rd February 2017, About 5 years ago

Reply to the comment left by "Sarah Fowler" at "23/02/2017 - 12:09":

Sarah I did not mean your comments . Didnt mean to upset you .I was talking about other members . I do hope that eviction goes well for you .
I am happy to help with any advice with situations I have been through myself over the years .


Leave Comments

Please Log-In OR Become a member to reply to comments or subscribe to new comment notifications.

Forgotten your password?

BECOME A MEMBER