Rent in advance/ccjs


I’m looking to rent a property in Leeds

My dilemma is that I have a bad credit history and ccjs ( lost my job and defaulted on payments)

I’m now in a position to pay 12 months rent upfront so basically the whole lease but I’m being told I will still fail referencing because of the past ccjs .

Will most landlords look past this as they are getting the full amount of the lease upfront?

I’m obviously going to be completely honest with them about my history.


One LL might, another might not. If there are plenty of prospective tenants it’s less likely

Things like: has the CCJ been paid? How long ago was it? Was it for rent? Etc. will weigh in. Impossible to say what other LLs would do.

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a ccj means some poor sod has lost money. i will never consider a ccj er

Thanks for the replies
According to Experian it was in 2016 that I had the ccj

I agree here. A LL needs to weigh up all the factors and then decide. Meeting a tenant can be useful too, but you’re likely to find that many would not accept a tenant with CCJs

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My first question would be if you have enough money to pay 12 months rent, why haven’t you settled the CCJ?


I’m trying to dispute the ccj as it isn’t even in my name yet appears in my Experian report.

My intention is to show the landlord the report and evidence that it is not in my name /while also contacting the court to see if anything can be done .

I have 3 viewings tomorrow so hopefully I find somewhere

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You said earlier that you got CCJ’s because you lost your job,so the CCJ’s were yours , then didnt answer the question if you had paid them off,so we will assume you havent.
Now your trying to wriggle out over a technicallity, your as doggy as they come and any decent LL wouldnt touch you with a barge pole, they will see right through you so dont even try until your morals are improved.


You can obtain insurance from Housing Hand. They specialise in providing rent guarantee insurance for tenants who have credit reference issues. The insurance covers the landlord if rent is not paid and the tenant pays for it. Hope this helps…