| T O P I C R E V I E W |
| got there |
Posted - 19 November 2008 : 08:15:30
I really do think some agents need educating about the general debt thing, DMP, IVA BR and CCJ's.
Think we have finally secured a lovely house, agents want 6 months up front, say that a guarantor is not acceptable. The agents are complete idiots they dont seem to have a clue. we have told landlords how incompentent they are and asked if we could deal direct if we compensate them for the charges they would incur, they are getting back to us tonight.
The agents were just going to put hubby thru credit check as he only has a joint ccj which was satisfied and paid in full, it is over 5k. Agents then later went onto say a ccj over £5k is an instance decline, so not even going to do checks. He said that a ccj over £5k is worse than an IVA or BR!!!, its a ccj which is paid, I think he must be living on a different planet to the rest of us.
Just wandered if anyone else had come across this in the rental world.
Hope everyone is well, tc x |
| 15 L A T E S T R E P L I E S (Newest First) |
| got there |
Posted - 23 November 2008 : 19:47:12
Thanks Paul
Would never have got this far without your advice, thanks again.
Will definately call you when we are settled.
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| Reviva UK |
Posted - 23 November 2008 : 19:31:13
Well done H
look forward to hearing that you have moved in and are safely settled in the new home !
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
| Needafriend |
Posted - 23 November 2008 : 18:35:39
Hey GT
That is some great news.
Well done :-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
|
| Skippy |
Posted - 23 November 2008 : 18:16:51
Great news, I'm really pleased for you xxx
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
| got there |
Posted - 23 November 2008 : 18:08:05
Finally heard from landlords today, they want to stick with agents for the hassle free element, but are going to tell them that they want an extra £1100 deposit making it a £2k deposit and then a monthly payable rent. Landlords say that they will tell agents that thats what WILL happen as its their property and they will decide how its done.
Cant beleive we finally have the property we loved!!
Thanks everyone for your support, we can now concentrate on a lovely xmas and will be moving last weekend in January.
Thanks again x |
| movin on |
Posted - 21 November 2008 : 09:38:31
Hey Lee
I think its good to have the 'agents' perspective on here and im sure people will find it useful. 
Onwards and Upwards is the way im going :-0)
xx |
| Needafriend |
Posted - 21 November 2008 : 07:29:55
Hey no Lee
I know what your saying. Its really silly apart from holding our hands up to say we are struggling with ur debts and doing something, i almost feel like we are being penialised for going BR when i would have said if they thought about it we are in a better position to pay.
HM:
Thank you, it may be a change of scenery for us then.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
|
| lee27 |
Posted - 20 November 2008 : 23:24:57
I would like to add that I am also involved in letting property, and I would agree that whilst some agents and landlords can be sympathetic, it's usually the ones that had been through a similar experience - which as we know is more and more people. Part of the problem, or reason for declines etc however is that some insurance companies and specific poilcys and mortgage companies etc usually need to see a tenancy agreement, or a satisfactory application to approve the tenancy, therefore making it harder for agents and landlords to get approvals - even though they are fine with situ.. I think in todays society, there should be definate procedures for processing, that all interested parties adhere to. Usually, a guarantor would surfice, but it appears to differ agent by agent and/or location by loction..
Sorry for the ramble!
Good luck with the house!
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| harbourmaster |
Posted - 20 November 2008 : 22:53:29
Yes Jo of course it does.... |
| got there |
Posted - 19 November 2008 : 14:04:19
Hi folks
I wont actually name the agents but they are countrywide and initial are BE. They really are a bunch of incompetants. Will let you know if we get any joy with the landlords, they are really lovely people.
tc x |
| Needafriend |
Posted - 19 November 2008 : 11:58:22
Hi Kazy
I 2nd that for the spell check, im always doing it.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| kazy1 |
Posted - 19 November 2008 : 11:38:05
Please please can we have spell check!!!!!! |
| kazy1 |
Posted - 19 November 2008 : 11:36:26
Really sorry to hear this for you,We have just found a property to rent and put down that i was BR and OH had ccjs we could provide a guarantor ----- passed with flying colours and we don't need a guarantor still trying to pick myself off the floor!!
So it seems that it really does depend on the agents themselves and who they use for dredit checks if you don't get this property i hope you find something else which will br tons better!!
good luck and will be thinking of you
Kazy1xxxx |
| Needafriend |
Posted - 19 November 2008 : 11:25:13
Hi HM
Does that offer go out for me also :-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| harbourmaster |
Posted - 19 November 2008 : 10:44:28
I am involved with an Estate Agents and we have just set up a lettings arm (its the onlt thing that is making EA's and monet at the moment.)
As a result of what I have just been through we look at referencing with a VERY sympathetic view.
I do know of another letting agents locally who have also relaxed the criteria. (They say if they hadnt they would not have had any potential tennants pass the credit check!!)
Move to North Wales gettingthere, start a new life and we will find you a house!!!
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