New tenant does not want to be referenced

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    #16
    Having had a Debt Relief Order will have a much greater impact on someone's credit history than any credit search.
    Credit searches are impacted by a flurry of searches, not one soft search.

    There is something seriously wrong with this situation.
    Someone is claiming to be able to afford a "high value" property but has a DRO and is worried about the effect on their credit rating of one additional search?

    I can't believe you're even contemplating letting to them.
    When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
    Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).

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      #17
      The benefit of giving someone a second chance is they will be restricted in their options so could become a long term valued tenant.

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        #18
        Originally posted by Section20z View Post
        The benefit of giving someone a second chance is they will be restricted in their options so could become a long term valued tenant.
        I once had an employee who stole from me - I decided that if she paid me back I would give her a second chance. Turned out to be one of the best staff members I had.

        However, if she messed up again, it was easy to get rid of her.

        The same cannot be said of Tenants, so I personally would not take the risk.

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          #19
          Originally posted by Section20z View Post
          The benefit of giving someone a second chance is they will be restricted in their options so could become a long term valued tenant.
          I basically agree.

          But this person isn't asking for a second chance, they're asking that they are allowed to potentially hide things from a landlord that would affect their decision to proceed or not.
          They've said they have a DRO - what do they not want the landlord to see?
          When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
          Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).

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            #20
            I have gone back to the agent to say we won't accept a tenant who has not been referenced and also asking for more information. I assume the other 3 tenants would be paying most of the rent.

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              #21
              I think you need to be a bit bolder and say you wont accept this tenant at all. Being referenced would only tell you what you already know, that this is someone who got into debt and refused to pay it.

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                #22
                Originally posted by KTC View Post

                Landlord referencing are soft searches and doesn't affect credit score...........
                But that doesn't mean the tenants know that. If her credit score is already shot to pieces due to previous debt it's likely she doesn't want to impact it further. So if the OP explains that the reference doesn't impact the score maybe that already resolves things?

                But I agree, I would also want to see references for all four.

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                  #23
                  If I do take on this family would there be a downside to her being named as a permitted occupier and not a tenant?

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                    #24
                    Why would you voluntarily choose to have one less person you can go after if there's rent arrears or damages etc.?
                    I am not a lawyer, nor am I licensed to provide any regulated advice. None of my posts should be treated as legal or financial advice.

                    I do not answer questions through private messages which should be posted publicly on the forum.

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                      #25
                      The possible downside of a permitted occupier is that the tenants will move out and leave the occupier in place.
                      Which seems unlikely in this case.

                      However, I wouldn't allow this person to live in your property.
                      They seem to be trying to hide something.
                      Find other tenants.

                      When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
                      Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).

                      Comment


                        #26
                        Originally posted by Piptrees View Post
                        If I do take on this family would there be a downside to her being named as a permitted occupier and not a tenant?
                        I find it hard to believe you're still considering these tenants, including the word if in your question, when pretty much everyone on here is warning you not to let to them.

                        It's a bit like that scene in Trainspotting where Begbie's mates are all waving at that bloke to stop him arguing about spilling his pint ...

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                          #27
                          Originally posted by Beswick View Post

                          I find it hard to believe you're still considering these tenants, including the word if in your question, when pretty much everyone on here is warning you not to let to them.
                          You are right! Too many alarm bells ringing, I need to listen to them.
                          Thanks to all for the advice.

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