Renting with DMP

[Cbla23]

I am really worrying about renting a property on a DMP.

During COVID things were a bit tough and I entered into a DMP in 2021. I have not missed any payments and the debt is reducing. I did this with the mentality that I was taking action before things got too bad, I don’t have any CCJs or IVAs.

I have now started to rebuild and earn a really good salary which is helping. However my landlord is going to sell our rental property in September and I am terrified I won’t pass the credit check.

My employer will provide a good reference as will several previous landlords. I can also provide evidence via bank statements of all rental payments made since 2018.

I completed my own tenant check and I am flagged as high risk, presumably due to defaults and the effects of the DMP.

I am really stressed about this, I am a single parent 9 year old son (so only 1 income) No options of a guarantor or big lump sums in advance. I can do the deposit and first months rent required that’s not a problem. I plan to pay large sums of my debts next year once we’ve moved but now I am having to save for said move. Please someone give me some hope and advice…

I'm hoping someone on here with experience in this area can help. I'm in a similar situation with lot of debt and need to sort it out but also need to find somewhere to live. Like you no got no guarantor nor can I offer 6 months rent upfront. I've been told that lettings agents can only see publically available records such as IVA or bankruptcy but then other sources seem to think they want too your full credit history. It's all very confusing.