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adonaghy

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About adonaghy

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  1. I work for the nhs and about to have my second vaccination. I registered my details signing up for appointments but now my managers writing to all staff asking in my area if we have had the vaccine, are waiting for an appointment or declining. It made me wonder how you would prove you had the vaccine when the very system you received it from cannot extract information
  2. 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 .
  3. Can you include things like child benefit, child tax credits in the overall calculation of income?
  4. 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
  5. 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.
  6. 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.
  7. 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
  8. 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
  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
  10. 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
  11. 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 .
  12. 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
  13. 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?
  14. 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 ad
  15. 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.
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