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Renting with CCJ

21 replies

1738hey · 17/10/2020 16:05

Hi, not sure where to post this? But looking for some advice! Has anyone on here successfully rented with a CCJ ?
I have one not fully paid off and my partner has 2 fully paid off. We have my mum as a guarantor who is w home owner and earns upwards of £90,000. She is also an MBE (😂) would that make any difference?
It would be the two of us and our 5 mo ds wanting to rent a 2 bed flat.
Has anyone got any tips on how to go about this? Is it going to be possible? We need to be out of my FIL house ASAP😩
Help a desperate mum!!

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LiveFromHome · 17/10/2020 16:21

I'm going to be blunt with you.

We rented a property to someone with 1 CCJ (against my better judgement) and well - never again.

If it's got that bad that someone has had to take you to court to get their money, then you probably hadn't made any attempt to even offer any kind of reasonable repayment plan for the money you owe and you forced them to take you to court to get any payment from you.

It reflects your attitude towards paying your debts - you either bury your head in the sand and hope that it all goes away, or you avoid all attempts to come to some kind of reasonable agreement to repay what you owe.

The fact that you and your partner have 3 CCJ's between you means that I would rather have my property standing empty than have you in it - guarantor or no guarantor.

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vanillandhoney · 17/10/2020 16:23

To be honest, I think very few private landlords would rent to a couple where both partners have CCJ's.

I know that's not what you want to hear, though.

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1738hey · 17/10/2020 19:35

What are my options then? How do I actually live somewhere aha?😞 thank you for replies

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Sparklfairy · 17/10/2020 19:41

One CCJ could be bad luck and circumstances. Three implies an attitude of racking up debt and avoiding responsibility, trying to wriggle out of paying. I would be very surprised if anyone would rent to you!

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Missreginafalange · 17/10/2020 19:50

Yes I have, it was paid off though and did have to have a guarantor (even though I earn double what they do) been in the property 2 years now and always paid the rent on time. Landlord couldn't be happier.

If going through estate agent be upfront with them as they can use different credit reference tools.

Good luck.

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Twilightstarbright · 18/10/2020 07:09

I think you will find it hard. As a landlord my rent guarantee insurance doesn't cover anyone who fails the credit check, as one prospective tenant with a CCJ did. Also, she then claimed it was a big misunderstanding and wasn't a real CCJ. If she had been upfront and honest, the estate agent and I could have considered a plan like a guarantor. But keeping it quiet then pretending it was a fake CCJ on her account didn't inspire any trust with her.

Can you look at housing association landlords?

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solidaritea · 18/10/2020 07:18

Agree with the above. Be upfront and ask before booking a viewing whether the landlord will consider you with your credit histories.

You will really, really struggle until your CCJ is paid off though.

I have one CCJ, fully paid off. Weirdly, it was more of a problem when renting than it was when taking out a mortgage.

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solidaritea · 18/10/2020 07:20

The other option would be to ask your mum to be the official tenant and for you tk make a separate arrangement to pay your mum the rent. This would have to be acceptable for the landlord, however, and I'm not sure it would be.

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TheTeenageYears · 18/10/2020 08:43

Aside from the CCJ's it might also depend on what your circumstances are now from an affordability perspective. Do you both work, how long have you been in work, can you pay rent upfront even if it comes from a parent and you pay them back?

We had tenants move in 18 months ago - she was on mat leave and he was recently self employed so wouldn't pass a credit check. They paid 12 months upfront from savings on a 12 month contract. When it cane to renewal time the new contract was sent over by the agents but no mention of how payment would be made. I raised the point and the agent said they would usually just accept monthly payment at that point as existing tenants. I said a credit check needed to be done as paying up front and ability to pay monthly later are two different things. The tenants re signed for another year and again paid the full 12 months upfront. It may be your only option for anyone to consider you is to pay 6 or 12 months upfront, particularly as it takes 6 months to get a court order to evict now.

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allthingsred · 18/10/2020 08:50

It will be really difficult. A lot of people have ccj & difficulty renting privately is a part of why local housing lists are so full.
Are you on your local social housing list? If not get registered

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1738hey · 19/10/2020 14:34

Thank you everyone. We have managed to get enough together to pay 6 months rent upfront so fingers crossed 🤞🏼

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SweetPetrichor · 19/10/2020 14:47

Sorry, but we made the mistake of once renting to a lady with a CCJ. She paid her first month’s rent then nothing until we got her evicted. Never, never again. It’s tarring everyone with the same brush but it’s not worth the stress.

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RossiRoo · 19/10/2020 15:45

We've just got rid of someone who we rented to with a CCJ. Never again.

Especially not at the moment as it's currently 6 months notice to evict.

No sorry, not even with 6 months cash upfront.

As a PP said, one CCJ could be bad circumstances and back luck, but three between you says you have a "fuck you, you'll have to take me to court" attitude to paying your debts.

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StitchInTimeSavesNine · 19/10/2020 15:54

No I wouldn't either as it makes you seem chaotic. If you can't remember to pay your bills will you remember to turn the taps off in the bath. Usually when you are looking for a tenant you want someone who is going to stay for a while so you want them to be steady.

I did however once rent to my next door neighbours brother who was bankrupt because the neighbour paid the whole year upfront.

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1738hey · 19/10/2020 16:17

All of ours are from when we were 18 and now 23 so they will be off in a year or 2 anyway. We just need to be out now. I think we'll have a good chance at getting a 6 month contract if it all paid in one lump some as then there are literally no risks, you already have all the money.
@StitchInTimeSavesNine I very much disagree there is correlation between having debt problems as a teenager and remembering to turn the taps off as an adult 😂

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StitchInTimeSavesNine · 19/10/2020 16:21

😂
I think your six months up front plan is a good one and that is why we rented so the man who was bankrupt. He never forget to turn the taps off so that's my theory out the window. Or down the drain.

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LooseMooseHoose · 19/10/2020 16:27

Sorry OP, but I wouldn't rent to anyone with a ccj and I don't think 6 months upfront would change my mind, not when rentals are in demand (like now) and I had other options.

I am also very much of the opinion that at 18 you are an adult and old enough to manage money. I would assume that you aren't very responsible. You might remember to turn the taps off, but I would have doubts about you being responsible enough to maintain my house well.

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1738hey · 19/10/2020 16:34

Okay thanks all, if no one has any tips I think I have enough people telling me I'm fucked now 😩 just got to keep positive I guess and keep trying.
It's a shame people are vilified for mistakes they made as a teenager though, 18 is defo still a baby in my opinion, so many people even my age that have yet to grow up
Boys brains don't mature until 25 I'm sure I heard?!😂

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FullofSurprises · 19/10/2020 16:38

6 months up front and you'll be fine. Ignore all the LL naysayers on here. They forget that some people actually have no money to be able to pay a plan off even if they wanted to, it probably shows you how unsympathetic they are to peoples situations actually doesn't it?

If you could wait the extra year for it to drop off I would say don't bother renting and buy a house.

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AnyFucker · 19/10/2020 16:47

I am a landlord and had two occasions where people applied who had ccj's

a middle aged bloke didn't tell us upfront before we paid out for credit checks. We decided not to work with him...he got the boot
a young couple were upfront from the beginning, open about the ccj (a lapsed mobile phone credit contract) and offered a guarantor immediately. They are now happily living in the property, paying rent on time and looking after the place

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1738hey · 19/10/2020 19:43

Makes me feel so much better to hear a success story! Thank you!
And yes I'm sure in this day and age it must be possible to rent with bad debt otherwise everyone would be homeless😬 applied for housing association but I'm not hopeful, thanks again everyone

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