9:58 AM, 9th August 2019, About 2 years ago 37
My tenant has been in touch to advise that her partner has moved out and that she can still afford the rent if she makes a part-payment when she receives her wages and another mid-month when she receives Universal Credit.
She was late with rent twice recently but always made a part-payment on time then paid the remainder when she promised to a couple of weeks later, so I suspect he left a while ago and she’s been struggling with the adjustment in household income and wants to propose and formalise what she thinks she can manage. She isn’t asking to reduce the rent, just to pay it differently, across two payments a month instead of one.
On the one hand I can see as a now single parent she could be a great long-term tenant and that it could be to both of our benefits if I agree. On the other hand, alarm bells are ringing.
I haven’t let to benefits claimants before as I always let to Professionals who must pass a reference check which includes affordability (although she is working) and letting to claimants has never been part of my business model. I realise however that UC can be claimed for several things and as already said, she is still working.
Pros: potentially good long-term tenant (apart from the previously mentioned two blips which she made good promptly), saves evicting someone who has previously been a good tenant.
Cons: if she’s struggling, might she default anyway, if I stall impact re. changes to Section 21 to consider etc. if she then defaults, potential for income fluctuation/instability esp. Brexit uncertainty looming re. jobs (but that’s true of any tenant right now).
Anyone help me see the wood from the trees? I don’t want to kick someone when they’re down, especially when seem to be trying hard to see a way through, but equally I’m cautious/cynical!
Please Log-In OR Become a member to reply to comments or subscribe to new comment notifications.
|“Account”||means an account required to access and/or use certain areas and features of Our Site;|
|“Cookie”||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;|
|“Cookie Law”||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;|
|“personal data”||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and|
|“We/Us/Our”||Means Property118 Ltd , a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.|
|Name of Cookie||Purpose||Strictly Necessary|
|JSESSIONID||Used only to collect performance data, with any identifiable data obfuscated||No|
|__cfduid||This cookie is strictly necessary for Cloudflare's security features and cannot be turned off.||Yes|
|Name of Cookie||First / Third Party||Provider||Purpose|
|__utma, __utmb, __utmc, __utmt, __utmz||First||Helps to understand how their visitors engage with our website|
|_fbp||First||Helps to understand how their visitors engage with our website|