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adonaghy

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Everything posted by adonaghy

  1. I have rent guarantee insurance and company say due to measures in place by govt which remove legal mechanism to take a new claim forward no applications taken for a three month period. Property’s empty at present which I’m not too perturbed about but didn’t expect that .
  2. Can you include things like child benefit, child tax credits in the overall calculation of income?
  3. I’ve turned away one prospective tenant as he didn’t want his foreign girlfriend (she also had a kid - not his) on the agreement or allow me to credit check her. A new prospective tenant - also with a foreign wife hadn’t given her details for credit referencing etc. I’m in Glasgow so know I don’t need to do ‘right to rent ‘ checks. I’m losing the will to live now and wanted some advice. Would you turn him away if he doesn’t give her details other than her name and DOB. Would you credit reference and I.d check her even though she’s a housewife? He had a decent enough income . Call me paranoid but he showed up with his baby for viewing and his wife was too busy to come along??
  4. Hi Grampa, I’ve had nearly forty responses so far but weeded our loads before wasting my time having them traipse through the house. I’ve had 4 offers in total but there’s always a curve ball thrown like the last two- who I’ve now rejected. Will give it another week before reducing rent then see how it goes. I’ve a no DSS, no pet stance so seriously considering letting them have a goldfish.
  5. Thank you so much guys. I laughed out loud reading your responses. I’m at applicant 32 as we speak. Will call it a day when I get to 100 as I believe spring is a good time to sell.
  6. Okay, so mid terrace nicely decorated house got reasonable response to advert on Rightmove and this weekend two offers. First couple with baby come back within 24hrs to say her mum and her two cats unexpectedly need to ‘temporarily’ move in to property too for an undisclosed amount of time - not answering my request for more info. Next one is a guy with his girlfriend who spoke only when I addressed her and I noted an American accent. She has a son. He’s completed application but says girlfriend and son will be there regularly but not wanting her on tenancy. He’s local and selling his marital home due to divorce and appears solvent.Fraught with danger? Any educated opinions on this particularly the second application? I’d rather have it empty til right tenant comes along but am I being too fussy? Considering lowering rent now after nearly a month of wasters. How long would you wait before lowering rent. Only have one house to rent and cannot imagine how anyone puts up with this **** on a grand scale.
  7. I’ve currently got rent guarantee cover with Directline but they don’t process credit references unfortunately. I’ve rejected one couple on affordability and have another couple interested but saying they find letting me see bank statements intrusive! Don’t want to shell out for checks and find they’re not suitable
  8. With more than a tad of assistance from this forum I’ve rented two properties successfully and thank you for assistance thus far. I have only one rental now and have it on the market right now. Can I ask for advice on rent affordability calculations. For example if dad is the only earner with two kids and similar family with say one how do you factor this in? I’m using Openrent to advertise and have never undertaken credit checks on someone myself. What companies do you recommend and what information do I need? I’ve taken advice from forum and have rent and malicious damage insurances but they will only be valid if I do this correctly
  9. With more than a tad of assistance from this forum I’ve rented two properties successfully and thank you for assistance thus far. I have only one rental now and have it on the market right now. Can I ask for advice on rent affordability calculations. For example if dad is the only earner with two kids and similar family with say one how do you factor this in? I’m using Openrent to advertise and have never undertaken credit checks on someone myself. What companies do you recommend and what information do I need? I’ve taken advice from forum and have rent and malicious damage insurances but they will only be valid if I do this correctly
  10. On the direct line blurb it says ‘ you need a reference for each tenant and each guarantor from a licensed referencing service before tenancy begins’ . When I took out the insurance I asked and they repeated this verbatim. I was hoping to ask any potential tenants to provide said references ( at their cost) if possible .
  11. Hi yes I did thanks Richlist. I took forums advice and have this cover with Direct Line and considering also asking for home owning guarantor . My impression from Direct Line though was that I had to have checks done
  12. I’m going to be advertising and renting out a property soon and I’m looking for some advice about credit checks. My stepson rented a house in another area recently and they asked him to produce copies of his credit reference checks, meaning he paid for these himself. Am I allowed to do this? I thought I would not be allowed to ‘charge’ tenants for processing such information -but if I ask them to go ahead them self is that ok? Also what credit check companies would you use?
  13. Hi, my current tenants move out 11th December giving me festive period to refresh paint and do any other wee jobs. I’m going to advertise the three bedroom terrace house on OpenRent as this gives me access to Rightmove, Zoopla etc. I can take the hit for a void period but would you see benefit in advertising early saying ‘coming soon’ or giving future date in January or just wait til it’s all ready to go before initiating advert? I’m wondering if having advert on early would give myself more time to screen potential tenants and give prospective tenant more time to plan the move? Worried if advert sits a while ( because I’m fussy) that would put people off ?
  14. Thanks again all for your valuable advice. Tenants can’t move in to their new home til December so im going to decorate over Xmas, then look for tenants in new year . Would rather wait a few weeks and select new tenant with care. My building insurance was only recently renewed but I was able to cancel as I discovered for only a very small amount more I could have rent guarantee insurance and extra legal cover with Directline. Will take my time and use the advice given to choose my tenants wisely.
  15. Thanks, helpful as always and much appreciated
  16. Hi, thanks for replies. I will look in to Direct Line as I’ve had them for other personal policies. A home owning guarantor Will definately be a must. Will I be able to find binding documentation for this online as I’m managing property myself?
  17. I have been letting out a house and managed it myself after some poor service from an agent. I’ve had great tenants with lots of help from this forum , thanks. Alas, they are moving on 😕and I’d like to tighten up a few things like having a guarantor and rent insurance for new tenants. Not sure how I go about getting necessary documentation for a guarantor or the process but would appreciate any advice. Also are there any companies recommended for insuring rent payment? Do they vet the tenant?
  18. adonaghy

    WASPS

    Hi, thanks for responses, I appreciate them. The property did appear to have a nest with wasps seen going out about 4 years ago. It was treated and brickwork sealed . As mentioned by Carry on Regardless , I’m of the impression they don’t return to same hive. I’ve spoke to tenant who says she’s seen a couple of wasps in garden of the neighbour, but none front or back of my house. I’m going to ignore Mrs Toxic now but happy she’s not in a position to claim I’m neglecting any of my duties.
  19. adonaghy

    WASPS

    Hi, II let a house and tenants have resided there over three years. The house sits central as a mid terrace with two flats on each side. The neighbour of one of the lower flats tells me that’s wasps are around front of house asking me to address this. Is this my responsibility to do this or tenants ? Neighbour who contacted me is the most toxic woman I’ve ever met so happy to get in touch with tenants to resolve problem but wondering what the ‘official’ stance is. I’m in Scotland
  20. Thanks Richlist, I’ve been paying tax through PAYE for the rental and haven’t had to employ an accountant. Would an accountant deal with this as an isolated transaction?
  21. I’m aware some members have disposed of some of their property recently and wonder if anyone can help with my query. I’m selling my daughter a house that was once our home for approx 7 years and let it out for 7 years. I’m aware I can claim letting relief and relief for the time it was my home. I’ve handed it over to my daughter and she’s improving the property over the next few weeks at her expense. I’m concerned now that as I’m not able to officially sell her it at a reduced price until my mortgage deal runs out on 1st October, She will have raised its value by then! Please can anyone tell me what proof of valuation the taxman will seek from me to substantiate my calculations. I’ve been told to go to an estate agent by a friend but surely they will inflate the price if they think I’m selling on open market or tell me to clear off when they know I’m not actually selling through them. Thanks in advance
  22. Being a landlord in Glasgow I had an experience of this although rent was still being paid. I called couple of prisons and one kindly told me which one to contact. Officer at prison agreed to have a messages passed to him and I received a call. Prison social worker was going to be my next step but wasn’t required. Tenant assured me he wanted to keep tenancy and payment continued.
  23. Thanks, I’ve typed letter and hope this clarifies situation with ex tenant and matter is resolved .
  24. I had a water escape at my rental property and discovered the tenants had their 88 year old mum staying with them from Canada ‘on an open ticket’. She was isolated alone in Canada, had a recent injury and was becoming confused. She’s a smoker. I was informed couple would like her to remain in UK and she’s registered locally now for medical treatment. To top that they were bringing another adult and three kids to stay for a three week holiday leaving this old lady in the property whilst they were sightseeing. All this informed in the middle of a crisis! Im now in disputes about rent money and they threaten court action. They left telling me they were leaving due to water damage, but house was habitable with heat, electric, water and no impact on bedrooms bathroom or kitchen. Truth is they departed due to me saying old lady can’t stay long term and they were in breech of their tenancy agreement having not asked permission. They left within a week with no written notice. Any advice? They say they will claim me for rent paid in advance as they left so quickly.
  25. He’s messaged me prior to and immediately after water damage so he’s just panicked. Sound advice though and definately taking this onboard
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