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Letting when you have a CCJ.

Just found out that I have a CCJ when going through the credit checks for a new house, it's for a relatively small sum (£600) which is less than the monthly payments. However, I'm worried now that the letting agency will demand more money up front as we had previously negotiated a lower deposit citing 6 years exemplary renting. What can we do? I've had to give notice on my current place so now I have to move whatever.

Asked on Jun 29 2011, Renting in Ashton-under-Lyne | Report content

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  • They may ask for money upfront it depends really on what the ccj was for and sometimes what may show with one credit reference agency may not appear on the other...

    Answered on Jun 30 2011, Report content
  • Every letting agent will vary, however, with our company a declared CCJ under £300 is acceptable, anything between £300 - £5,000 will require you to have a guarantor. And anything over £5,000 means that you would be considered unacceptable. It may be worth speaking to the agent and seeing if they will allow you to apply with a guarantor as added security for the landlord, and to nullify the risk of you being rejected or asked to pay a large amount upfront.

    Answered on Jun 30 2011, Report content
  • You should firstly find out if they have referenced you yet, then depending on what the response is, you can then negotiate with the letting agent.

    Answered on Jun 30 2011, Report content
  • Well £600 if such a small sum!! why did you not pay it? If you know about it NOW and you didn't before. PAY IT.. it will avoid the continuing hassle through out your life with it popping up

    Answered on Jul 5 2011, Report content

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