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Served Section 21 notice and can't get new tenancy due to IVA

28 replies

CreativeCrochet · 27/07/2024 16:16

Hi,
I've been in my current rental for almost 6 years. I moved here when I left my husband and have since divorced. I was left with debt from the marriage (it was the reason why I left) and I ended up in an IVA to resolve this. I am now debt free and the IVA was discharged in Dec 2020.
Last week my Landlord served me a Section 21 no fault eviction out of the blue. I am not in rent arrears and have been a good tenant.
I have spent the week looking for new properties to rent, I am not yet in a position to buy. Everyone is telling me that the IVA, although discharged, is still an issue and I won't pass referencing, despite earning a very good salary and having rented for 10 years or more with no missed rent.
I wasn't looking to move yet, for exactly this reason, I knew this would be the case.
I have a disabled son in primary school, this adds to the complication. I have no family who are in a position to act as guarantor and the letting agents have all said they won't accept a company to act as guarantor.
Has anyone been in this situation? My landlord is effectively making me homeless, as I sit here now I really don't know what options I have. All I've been told this week is no, no, no. It's so stressful.
Any help would be great, I've tried to share all the pertinent points.

OP posts:
AgileGreenSeal · 27/07/2024 19:22

PaminaMozart · 27/07/2024 17:11

I concur with the advice that you should wait to be evicted as the LA will have to house you.

However, in the meantime I would seek out a private rental. Prepare a solid portfolio of evidence showing that you have managed your finances responsibly since the IVA was initiated, together with proof of current earnings and assets, as well as employment contract and reference.

Many Landlords, including me, would consider you if it all stacks up.

I’m reading this sitting in an apartment for which I honestly fought I would’ve failed the referencing part of the application.
I agree with @PaminaMozart - get a solid body of evidence together showing that you are a good prospect as a tenant and go for it.

AgileGreenSeal · 27/07/2024 19:23

*thought not fought 🤦‍♀️

Alwaystimeforacupoftea · 27/07/2024 19:30

Ring the housing office at your local council, explain the situation and see what the likely pathways are- if you are made 'homeless' or have the 'threat of homelessness' then you have to be housed, and this could be a good opportunity to get a HA house with a more reasonable rent than what is available right now, which is very elevated rents and a shortage of properties. I would do that, even though it will require nerve, if you are working you will still have to pay a rent, but it will be say a half to two-thirds of private sector rent, and this will allow you to save a bit or even just keep pace with CoL crisis. I have friends who have lived in HA as a single parent with a child and then jumped back into buying years down the line.

Or try Shelter.

The thing is, the only way you can force the local council to house you is by allowing the process to play out, right up to the end. it's very stressful as a parent, but I think for your long-term security, it's worth it- if you move to private rented right now, even if you overcame the IVA issue, there's a lot of movement and selling up and you could end up only with six months security at any one time.

I was in private rented for many years with younger children and I found it very stressful, I'd prefer to either buy or be in stable HA accommodation with a ceiling on rent rises by far at the moment, so this might turn out to be a turning point for you in a way, even though that probably isn't visible right now.

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