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Antony Atkins

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OK, so we can't advertise "no DSS and no self-employed", but of course as soon as they declare their source of income, each landlord will have to decide for themselves the likelihood of the tenant sustaining the tenancy. It's not going to make a blind bit of difference to most landlords' decisions. Has anyone ever tried enforcing a homeowner guarantee? In my experience, not worth the paper it's written on. Ditto trying to get a CCJ enforced: the ex-tenant disappears, or declares themselves "self-employed" to avoid an attachment of earnings order, or decalres themselves bankrupt. It's so, so easy for tenants to avoid paying their debts, and just a total waste of time for the landlord, except the CCJ might help warn off future landlords . Answer: CCJs should be deducted from the debtor's annual NIC and income tax allowances, so the HMRC collects the debt over time from debtors and reimburses the landlord, for a small fee of course.

From: Antony Atkins 14 July 2020 12:46 PM

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