Personal Finance

Property rental when bankrupt - impossible?

I've recently been made bankrupt and will shortly lose my house to my creditors. I want to rent somewhere. However, I'm retired, bankrupt, and have pets! I'm also entitled to Housing Benefit, so the rent is pretty secure. Is this impossible? I'm on the council housing list, but is there anything else I can do?

goldenoldie Fri 25/04/08 16:25

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missspeedy23
Fri 25/04/08
16:31

Not sure if you are haven't been discharged. I was declared bankrupt in 2006 and discharged last year. We have just got a rental property but have had to have a guarantor. I would imagine you could find it difficult going through an estate/letting agent but you may stand more chance with a private landlord - they may not do credit checks. As for your pets some say no pets at all, but I think it depends what you've got. Hope you find somewhere!

themas
Mon 28/04/08
17:59

If you are over 60 and are not deemed to be "intentionally homeless" then the local authority has a duty to house you. They would want to know how you came to be bankrupt. If it was (for example) because you were reckless with money then they might well conclude you were intentionally homeless, but if it was due to factors outside your control - losing a job, ill health etc. - then they should treat you as not intentionally homeless and house you.

You have a legal right to make a formal homeless application in writing, which the Council has to consider & give you a written decision on. There are appeal rights if necessary. Unfortunately, some Councils do their best to deter people from making such applications, so you may have to insist on your right.

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