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Sunshine_Girl
New Member
77 Posts |
 Posted - 08 April 2009 : 10:37:23
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I think the title says it all. Any tips? All suggestions welcome!
Many Thanks
SG x |
Edited by - Sunshine_Girl on 08 April 2009 10:49:46 |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 08 April 2009 : 11:39:07
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I won't lie to you, it can sometimes be difficult as letting agencies will do a credit check which will show the bankruptcy and it has been known for agencies to refuse tenancy unless someone such as a parent goes guarantor for the rent, any chance a relative could 'rent' the property for you? or look for a private landlord, this usually bypasses the need for a credit check.
Hope this helps
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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Sunshine_Girl
New Member
77 Posts |
Posted - 08 April 2009 : 21:17:08
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Thanks, Melanie.
I'm going flat-hunting tomorrow. I have 5 viewing appointments and a number of backups if they don't work out.
Wish me luck!
SG |
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chester2005
Average Member
United Kingdom
786 Posts |
Posted - 09 April 2009 : 07:05:56
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Private landlords seem to be a good option, people in my family were landlord until recently , they never did a credit check, just face to face , so they could get the feel for someone looking to rent, it seldom let them down, and no doubt saved them a lot of money over the years in credit search fees!!
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurman)
Life's too short!!! |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 09 April 2009 : 08:39:29
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Good luck Sunshine_Girl - have a really good day flat hunting - let me know how it goes - I would love to move again, but am tied into a mortgage deal with large early repayment penalty...I am one of those weird people who loves moving house since 2000 I have moved 6 times - I have been in my presnt property 3 years which is the longest ever! I am now starting to accumulate junk, usually a move every 18 months saves the build up of junk, as each time I move I fill up my local charity shops!
Happy hunting!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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2stressed
New Member
57 Posts |
Posted - 10 April 2009 : 08:54:43
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Quick Q on this. I have the option of moving to a new place (with family at present) it is owned by an ex colleague who would be happy to accept housing benefit etc. And obviously it will cut out me having to go thru agency etc in future.
My only concern is when I notify the OR I have moved will they want to write to the landlord and inform them of my BR??
If this is the case I would prefer to stay put until discharged as my colleague as lovely as they are loves to 'chat' |
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Sunshine_Girl
New Member
77 Posts |
Posted - 10 April 2009 : 09:18:53
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Thanks for the advice, Melanie & Chester. I'll keep you posted. I have a friend I've 'used' as a guarantor before, so fingers crossed. I found some good flats yesterday, too.
By the way, good question, 2Stressed.
SG |
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LastResort
New Member
United Kingdom
56 Posts |
Posted - 10 April 2009 : 17:47:47
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Good luck with whatever you decide SG x
2stressed....the OR told me that it depends on the type of tenancy. He needs to see my tenancy agreement and then he will tell me whether they need to be informed or not x |
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paulsc
Junior Member
289 Posts |
Posted - 10 April 2009 : 17:52:46
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I believe In Salisbury the council do a rent gaurantee scheme if tenant defaults council pays dont know how it works
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totalgav
Junior Member
United Kingdom
174 Posts |
Posted - 10 April 2009 : 21:43:34
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Hi Sunshine Girl and anyone else looking to rent a property!
I work for a letting agency and have had a few people in the last few months who have gone bankrupt and the main thing i have suggested is to be honest and upfront with the agency. They will still do a credit check but this isnt done to decide whether to allow you to rent the property or not - its simply done to confirm this information - plus many other things too like whether you are registered at your current address etc.
It is eventually down to the landlord to decided and if you get on side with your agent and you can prove that your affordability stacks up (we get bank statements, employment ref and current landlord ref if applicable.)then they can put your case forward to the landlord. I have let 2 properties out succesffuly recently to people who have been bankrupt, and without problems too.
At the moment in many areas there are plenty of properties to rent and Landlords are generally looking at people who can afford the rent and not about their past.
Hope this info helps but please feel free to ask me any questions if you have any.
Good Luck! |
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frosie90
Junior Member
285 Posts |
Posted - 10 April 2009 : 22:25:51
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| Hi all, thanks totalgav, it is heartening to see you response to Sunshine Girls post. Thanks SG, I have been watching this post. I gave up my house and started renting three weeks ago. I filed for BR last Tuesday and did not get the relieved feeling I thought I would get. All because I have been so frightened that I would lose the rental on this lovely, "new life" house. I decided to bite the bullet and I wrote to the landlord direct, as I had met him the previous weekend. I haven't let the Agency know as I know they will probably be notified by the OR anyway. I thought it was good to have a personal touch so when the Agency informs the landlord he will know already. I did this despite differing opinions but I knew that at least whilst I am still reeling from the whole trauma of court that I would rather know where I stand now. Big gamble but at least if all goes well I can finally feel that "relief". |
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2stressed
New Member
57 Posts |
Posted - 11 April 2009 : 08:48:21
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| I wish I had yr courage Frosie......I think I would be inclined to do that if it wasnt people I know already |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 11 April 2009 : 09:04:03
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Just remember where the landlord is in all of this
They have a mortgage, possibly fixed rate so no desire to have it empty .
If you need to you can explain that now you are completely debt free there is no chance of you falling behind with any of the payments. In short you are now likely a better tenant than most other people with unknown debts.
i work with several letting agencies around the country and they are all happy to have my cleints. the landlord gets several months upfront and is sure there is nothing that he doesn't know about
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
http://www.revivauk.com
Real People ..... Real Debt Solutions
www.revivauk.com |
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frosie90
Junior Member
285 Posts |
Posted - 11 April 2009 : 14:58:27
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Thanks Paul. Thanks too 2Stressed. Not sure it courageous but I do feel that I have been given the opportunity for an absolutely fresh clean break and moving to this rented accommodation is the absolute best thing I have ever done. I am starting now to feel like my old self, the self I liked prior to the vultures that were so called friends/partners started feeding off me. Sorry about the rant and sorry Sunshine Girl for hijacking your post. Keep doing that. Good luck to you.
Rosie
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Sunshine_Girl
New Member
77 Posts |
Posted - 23 April 2009 : 08:28:18
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Thankyou everybody for your advice and support. I have some good news - I went in and told my agency about my bankruptcy, they 'phoned the landlord there and then, and he accepted me! All they needed was a guarantor, which I sorted out within 24 hours!
Feeling good but nervous about the move and the voluntary repossession. I think Picture are going to get rather stroppy with me over my secured loan but I've had it confirmed by the OR that the shortfall will be included in the bankruptcy, as I haven't bought out the beneficial interest or signed a deed of acknowledgement.
Best wishes to all of you
SG |
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Jane.l
Average Member
511 Posts |
Posted - 23 April 2009 : 12:44:51
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Let Picture get stroppy, I say They treated us appallingly and were the main reason for our bankruptcies |
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Topic |
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Getting Rented Accommodation When Bankrupt
