Advice re CCJ jeopardising new house

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My DH and I are renters and have found a great new house back in our home town, just in time before my maternity leave starts. Cheaper rent, lovely house, nearer friends and family, better local facilities etc - i.e. Plenty of good reasons to really really want to move, and particularly to this house.

However, DH's reference from the letting agency have failed due to a CCJ which is due to come off his credit record in 4 DAYS!

Does anyone know if the CCJ will literally drop off and they can run the credit check again on Monday, meaning he'll get approved? We've basically got a 2 week window (of which 5 days have already gone) to satisfy their tenancy requirements i.e. Credit check.

The only other option is a guarantor which we don't want to do. They won't accept just my credit check even though my salary alone is £8k over what they consider to be enough to be able to afford the rent...possibly due to them knowing I'll be going on maternity leave which i suppose is fair enough.

DH has a good job and makes good money, it's been 6 years of him building his credit back up and we've never had problems with referencing for renting in the past; this is really bad timing!

Please can anyone advise? Really worried.

I don't have any advice sorry, have you advised them that the ccj should be cleared from the record in a few days?

The problem is that the credit files only update every month or so. And the creditor has to update their own records and send the updated information to the CRA. So it could update straight away, or at any time from about six weeks.

Has he satisfied the CCJ?

I'm a landlord and had a chat with the agent who explained why the couple had not passed and because I was told the reasons (with the tenants' permission) I took the risk. So far I don't regret that decision. It might work?

Do you have a mortgage broker. Mate had, explained it all to mortgage company and they said it was ok. But that was 10
Years ago. Stuff may have got stricter. Poor you. Good luck! Def worth phoning the company to make sure removed as soon as satisfied and get all documentation you can to show it's all finished.

He's satisfied the CCJ, it's all paid off so was just a case of waiting for the record to clear.

He's explained the situation to the letting agency and sent them a screenshot of his Experian report showing the dates to prove the 6 years are up on Friday. So far though they're being a bit "computer says no", and don't seem to want to tell the landlord.

It's just a waiting game I guess, and asking them to explain the situation to the landlord and hope for the best. They've asked for a guarantor or 6 months rent upfront if he doesn't pass which is a lot of money to find! We could prob get 3 months together but it'll eat into our savings we'd put by for my maternity leave.

I'm also a landlord, and twice recently took tenants with credit issues.

1. First was a couple. His business was in trouble but she had a good job and so could reference on her own. She went on the tenancy on her own and there was a bigger than normal deposit.

1. Second had CCJs but a good job. He paid six months rent in advance. He has proved to be a brilliant tenant and on renewal I was happy for him to switch to paying monthly.

Another option is to find a guarantor, which is what is done with students, then agree to review this after the first six months when credit checks will be better.

In either even it is a poor agent who is not speaking to the landlord.

If you pay six months in advance you then get six months break from paying rent so should have the same effect as far as maternity leave goes. (And landlords love it!) However no reason why you should not offer three instead.

wheresmyphone how did you not read the first line of the OP?

The agency will have rules in place, and they will be reticent to break those rules if it's a relatively decent or large agency.

When I rented out we had a tenant with a Ccj, he was only presented to me with the advice the rent would be paid to the agency up front and then they would pay to me monthly. I wasn't given any other option as a landlord nor was I provided details of the ccj, just they had looked into it and were comfortable. I guess part of the deal is agencies reduce your risk.

I'd run it again early next week, or as late as you can but to still satisfy.

Ask to contact the landlord.

Six months in advance is now a drug dealer tactic - send along a nice couple to view the place, sign them up , pay six months in advance and start wrecking the place, they move out and the skanks move in. So landlords will be wary of that one.

Oops. No idea. Completely missed first paragraph. What an idiot I am! Sorry!

Just one thing about 6 months in advance: I see the comment about not offering 6 months in advance a lot on MN "because landlord will think you a drug dealer"... I am a landlord and have taken 6 months in advance on a few occasions.....once an "overseas" student, once a dodgy credit reference but met the tenant who explained it all with evidence and I happily took them, and indeed I have paid a year in advance myself when we returned to the UK. The reason I am saying all this is it's something, should you be able to, to offer a landlord. It may put mind at rest. Good luck. Hope it all works out for you.

And I appreciate it's just my opinion re the 6 month thing. I am just one person. Only mention it as my personal experience but appreciate others may have contradictory experience. All in all, good luck!

Not saying all that offer six months in advance are drug dealers, but just a warning that it can happen.

Mine wasn't. Or not to start with, anyway.

Good morning! So, the CCJ has gone from his Experian report woop woop! DH will be phoning Rent4sure and the letting agency first thing to ask them to re-run their credit checks.

Wish us luck!

Oh and we're not drug dealers so hopefully they'll take that into account too

We got the house! They re-ran his credit check yesterday and our letting agents have just phoned with the good news.

Interestingly, they told my DH that they've learnt something from this too, in that how quickly people's financial situations can change - sometimes for the better as in this case.

Good to know for anyone else who is interested too how quickly the credit files are updated. This was Experian and Callcredit (who run Noddle), both of which updated instantly or at least within 24hrs.

Thanks for your advice and support everyone. Our little boy will have a lovely first home when he arrives in October and I'm so happy. We're picking up the keys a week today so I'm off to start packing .

Excellent news! Enjoy your new home.

So pleased to read this as my husbands CCJ is due to expire soon and I had been wondering whether it would just disappear from his credit report or if he would have to apply to have it removed. Phew!

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