Vetting/referencing/database/blacklist- bad tenants

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  • Vetting/referencing/database/blacklist- bad tenants

    hi folks

    just recently i spent 80 quid to get a tenant vetted with insurance costing me 80 notes .. i had no doubts it would come up okay but its failed seems the tenant has a ccj outstanding debt of £198 5 years ago.. her credit score was +287 and it said min is 180 ? which im not sure about ..

    bascially i have spoken to the tennat and she did tell me she was married and her husband hadnt paid bills etc .. the rest of the checks were fine.. the conculsion i got from the refenence checking company was that this tenant isnt suitable for ur intents

    Does this mean if i was to still take on the tenant and if they defaulted on rent i couldnt claim the rent from the cc ref checking company

  • #2
    Tenant Fails Checks.

    If your tenant has failed the checks then you will not be able to get the rent guarantee insurance and therefore you are entitled to a refund of the insurance element of the payment you made.
    It's then up to you whether you let to your tenant - perhaps with a guarantor?

    Comment


    • #3
      oh right i didnt realise i could get a refund for the insurence i shall email them now

      thanks!

      Comment


      • #4
        Vetting and referencing prospective T

        We're completely new to this and are hoping to rent out our first property shortly.

        We'd like to source and vet our own tenants and wondered if there are any recommended, reliable companies (such as TenantVerify, advertised) to approach. Any ideas or recommendations, please?

        Also, is there a source for a good 'standard' inventory document anywhere, please?

        Thanks.

        Richard

        Comment


        • #5
          Tenany Verify are fine and are probably just what you need.

          Writing a good inventory is a skill, and you need to write down a full description of everything, including decor (don't forget the ceilings!) fixtures and fittings, carpet curtains etc. etc. You should specify colour, size, patterns, scratches, marks, type of material (cotton, oak, vinyl, rubber, plastic, etc.etc). Don't forget to photgraph everything, and possibly video, make sure the photos are dated on the back and make sure the tenant signs not only every page of the inventory on the day he/she moves in but each of the photos too!

          I have a feeling you are going to use a tenancy agrement produced by a company "off the shelf". They don't go far enough I'm afraid. If you want to invest in a very good one you can contact Adam Rollins at the NAEA and you can purchase a CD for I think £80 (maybe plus VAT) that you can amend as you wish. It also includes a free update concerning new legislation that will come in this year. You can use it as often as you like and is as "cast-iron" as you can get, especially for a novice. It's 23 pages long so is very thorough and will protect you pretty well. Contact Adam on 01926 417753 his direct line - you can ask him any questions you want. without committing yourself.

          Bear in mind you will need to send the tenancy agreemnt to the prospective tenant at least 5 to 7 days before he/she intends to take up occupation as he/she is entitled to have sufficient time to refer it to a CAB or solicitor, otherwise if he/she were to sign it on the day of occupation, it might invalidate your rights to impose any restrictive covenants on your tenant.
          The advice I give should not be construed as a definitive answer, and is without prejudice or liability. You are advised to consult a specialist solicitor or other person of equal legal standing.

          Comment


          • #6
            Thank you, Paul.

            Sounds like good advice regarding the inventory and, yes, your feeling is correct about the agreement. Like many people, I suspect, I thought one tenancy agreement was like any other.

            I'll be happy to take your advice and contact Adam.

            Many thanks, once again.

            Richard

            Comment


            • #7
              Paul,

              Incidentally, is it permissible/standard to make a charge to the incoming tenant (whether they are successful in their application or not) for the vetting procedure and, if so, can it be in full or merely a contribution towards the total costs incurred?

              Thanks, in anticipation.

              Richard

              Comment


              • #8
                Originally posted by richandjo
                Incidentally, is it permissible/standard to make a charge to the incoming tenant (whether they are successful in their application or not) for the vetting procedure and, if so, can it be in full or merely a contribution towards the total costs incurred?
                I don't do so myself, but suspect I'm in the minority... it's certainly permissible, and never mind making a contribution to the cost, I reckon most agents (most or all of whom charge tenants for this) make a profit out of it!

                Comment


                • #9
                  Thanks, Mr Lobster.

                  That's the conclusion I was reaching, as I read more about agents. Looks like it's fairly standard practice to charge the tenant for their tenancy agreement, too.

                  Thanks for the reply.

                  Regards,

                  Richard

                  Comment


                  • #10
                    I don't do it either, but am now seriously considering doing so from when the new tenant's deposit regulations start as a way of paying the administration cost that this will involve.

                    P.P.
                    Any information given in this post is based on my personal experience as a landlord, what I have learned from this and other boards and elsewhere. It is not to be relied on. Definitive advice is only available from a Solicitor or other appropriately qualified person.

                    Comment


                    • #11
                      The RLA do an excellent tenancy Agreement approved by the Plain English Society for, I think, £5. See

                      http://www.rla.org.uk/

                      Letsure and Homelet both do basic vetting for around £15 (you can check references yourself) or the full service for £35 ish

                      Comment


                      • #12
                        Originally posted by MK Landlord
                        The RLA do an excellent tenancy Agreement approved by the Plain English Society for, I think, £5. See

                        http://www.rla.org.uk/

                        Letsure and Homelet both do basic vetting for around £15 (you can check references yourself) or the full service for £35 ish
                        Then why did I get charged £100 for vetting? Twice.

                        GuitarMan

                        Comment


                        • #13
                          Tenant verify fee?

                          Are there any Landlords out there who charge a fee for sreening a prospective tenant and if so what fee is reasonable? Also, are "TenantVerify.co.uk" good enough to use??

                          thanks
                          Steve

                          Comment


                          • #14
                            tenant verify?

                            Any takers on my earlier thread please??

                            Comment


                            • #15
                              I asked the same question a few weeks ago & got no response either- not sure why. So I went ahead & used Tenantverify. It was easy & quick but pretty basic- not sure it was worth the money, although of course if it had shown my tenants had lots of CCJ's etc I probably would have thought it better value!I didn't pass the cost on to my tenants.

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