I’ve done an application for a tenancy who disclosed he has a satisfied CCJ from last year for around £500. Last week, he said he could provide a guarantor so I proceeded with his application. Homelet have sent the final report stating he is Acceptable with Guarantor but the applicant now would rahter avoid having to provide one, saying his CCJ is satisfied and his income is more than enough to cover the rent.
If the landlord is happy to proceed without a guarantor then happy days, it does seem harsh when his CCJ is satisfied and wasn’t for a huge amount. But, if the landlord decides not to proceed, is the applicant entitled to all of his holding deposit back or does the fact that he no longer wants to provide a guarantor classed as not taking all reasonable steps to enter into an agreement? Who pays for the credit check in that case?