Prospective tenant has CCJ – should I take them?
9:47 AM, 28th May 2015, 11 years ago
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I have just evicted one tenant so need to ensure I find the right tenant next. I’ve just referenced a new family and the tenant has a CCJ for car hire £1300.
However I have spoken with previous 2 landlords (one housing association the other a letting agent) . The rent was up to date and the house was left immaculately, they recommend them as tenants So my dilemma is should I let to them?
Sarah
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Non-Dom JV Partner
Member Since August 2013 - Comments: 883
10:52 AM, 2nd June 2015, About 11 years ago
Hi Sarah,
I think that you need to make up your mind: Are you comfortable with these prospective tenants?
You are now presumably aware of their situation and finance, and have got references.
Nothing is risk free, but you seem to have all the information you need to decide whether they fit within your threshold or not.
Member Since October 2014 - Comments: 105
11:59 AM, 2nd June 2015, About 11 years ago
Reply to the comment left by “Sarah Whiting” at “02/06/2015 – 09:11“:
Sarah ,I personally would NOT leave the husband OFF the Tenancy agreement , You are effectively allowing somebody to live in your property with no liability to any rent / damage that could be caused, could get messy if it went wrong and both blaming each other ,how does the court decide. why not go back to the Council and either ask for an increased deposit or go for the Council Bond which i have found to be very useful and easier to claim on than depositing the money in an approved scheme .
You appear to confident in your choice of tenant so as all of us realise only time will tell how it plays out but good luck
Member Since June 2013 - Comments: 1121
6:29 PM, 2nd June 2015, About 11 years ago
Sarah your RIG will only be on the referenced tenant. You would still have to pay solicitors etc to get the hubby out yourself. Take it from me -trying to cut corners does not work. Either reference them both and get a guarantor to cover them both to get RIG or take the risk – but having just gone through all this with last tenant are you sure you want to do that? This is screaming “walk away” at me unless you get the guarantor and RIG.
Member Since February 2023 - Comments: 22
12:12 PM, 13th March 2023, About 3 years ago
Don’t touch them, or you undermine the purpose of CCJs. Also check the references yourself. The number of fake references is increasing. I have seen a £120k a year “professional” suddenly declare they are an unemployed disable person. There is no recourse and you cannot even get to see reference docs, so you must se themselves and speak to employers and landlord to get real evidence.
Member Since April 2021 - Comments: 189
1:00 PM, 13th March 2023, About 3 years ago
I had a couple who were both bankrupts (due to debts from previous partners). Although I don’t usually, I met them myself. I took a chance and they were perfect tenants. As I pointed out to them they needed to start rebuilding their financial profile. A judgment for car hire sounds like there was dispute over damage or some such, perhaps you could ask them.