TENANT REFERENCING FOR LANDLORDS & LETTING AGENTS Fast and reliable referencing “Helping you to secure the best tenants every time.” CONTENTS page 3 | Introduction page 4 | Services Full Profile Credit Check INTRODUCTION Rentguard is an independently owned company that has been providing products & services to Landlords and Letting Agents throughout the UK since 2001. Our referencing service has been designed to reduce as much of the risk as possible from both the Residential and Commercial lettings market. Insight Company Reference page 6 | How it works Registering Ordering Creating a new tenant reference Submitting an application page 8 | Info for Agents Guidelines Identification theft alert We treat every case with due diligence and pride ourselves on an exceptionally low fail rate. We understand that the average applicant typically provides far less information about themselves than is required, which makes it very difficult for a landlord to make an informed decision as to their credit worthiness. We will obtain the missing information and provide a credit report as to the applicant’s standing. We will establish if a prospective tenant is using an alias name, multiple addresses, or even a bogus employer to try and secure a property. Guarantor requirements Service summary page 12 | Legal Expenses & Rent Guarantee Insurance page 14 | Sample Reports Full Profile page 16 | Unlike many other companies, when you phone us you will always be given the name of the person you are dealing with. This enables you to make contact with the same person throughout the entire referencing process. As well as our comprehensive Full Profile (24-48 hour) service, we also offer a four hour ‘Insight’ service and most Company References can be completed in under four hours. Insurance Products & Services What we can do for you? page 18 | Supporting you and your brand Window cards/posters Tenant referencing website 2 n re Window stickers For more information or to register contact our team on 0844 4122 020 or log on to tg k Lead generation ua .u How we do it o rdtenantref.c 3 SERVICES FULL PROFILE CREDIT CHECK ONLY Suitable for tenants and guarantors* Response time: instant online or 1 hour Suitable for tenants and guarantors Response time: 24-48 hours We will search the files of a leading Credit Reference Agency to ensure that the applicant has not previously been insolvent, bankrupt or involved in any court proceedings for debt. We believe our Full Profile service does more than any other product available in the industry to minimise the risk of defaulting tenants. Our cost effective nationwide service provides the greatest depth of enquiry currently available to Letting Agents and we aim to respond within 24 to 48 hours. Each Full Profile enquiry includes: Each Credit Check Only enquiry includes: Address Verification/Residency Confirmation County Court Judgements (CCJs) Bankruptcy Data Employment Status & Income Confirmation Information about the applicant’s current employment and salary information are obtained from the employer in writing. An initial telephone call to the employer is made to establish who we should address our enquiry to and a faxed/emailed request is sent directly to that person. Confirmation of the applicant’s employment status, length of service and salary package is obtained. If the applicant has been employed for less than three months then a reference will be taken up with the previous employer to ensure that there was no detrimental reason for leaving. If the applicant is self-employed we will obtain a reference from their accountant whenever possible and source copies of the most recent set of accounts. Address Verification/Residency Confirmation Each applicant’s history of residence is confirmed prior to the credit searches being carried out. We can confirm the applicant has given us the correct address through a variety of different information media. The preferred option is to use the National Electoral Register, but should an applicant not be present on the Electoral Register we will then look for previous applications, address links and recorded associations to confirm that they reside at the address given. County Court Judgements Each address supplied is searched for CCJs. In addition to this any additional addresses located will be searched. Bankruptcy Data Each address supplied is searched for Bankruptcy Data in the name of the applicant using our online information providers. A live enquiry is also carried out with the DTI Insolvency Service to ensure that we are using the most up to date information available. INSIGHT (WHEN YOU NEED AN ANSWER QUICKLY) Suitable for tenants and guarantors* Response time: 4 hours Our Insight service has a response time of four hours. All references are collected verbally by our trained operators. All references are taken whilst on outgoing telephone calls. This service is not suitable for self-employed, retired or overseas applicants. Cannot be used with Legal Expenses and Rent Guarantee policies. Each Insight enquiry includes: Employment Status & Income Confirmation Existing Credit Agreements Search Bank Account Confirmation Tenant Default Fraud & Theft (TDFT) Data Previous Landlord/Letting Agent Reference County Court Judgements *Please note: the above services are not sufficent to support Legal Expenses & Rent Guarantee Insurance – our Full Profile service must be used for these purposes. Bank Account Confirmation The information provided by the applicant is verified to be valid and correct. COMPANY REFERENCING Existing Credit Agreements We will search for existing bank, financial and communications accounts at the current and previous addresses. Suitable for company letting applications Response time: 1 working day Tenant Default Fraud & Theft (TDFT) Data Our in-house database contains thousands of records of previous tenancy applications. Our database is updated continuously with default data, fraudulent applications, theft cases and is proving to be a useful tool. Every year many thousands of businesses fail and this year will be no exception. With the current economic climate, risk assessment for the Company Referencing Service operates a turnaround time of one working day. A one hour service is also available. Previous Landlord/Letting Agent Reference Enquiries are made to establish if the current tenancy has been conducted in a satisfactory manner and that all obligations under the tenancy agreement have been met. To compile a Company Report we will look at: Next of Kin Detail Check The details for the applicant’s next of kin are supplied to us by the applicant on our form. These details are confirmed to be correct during the vetting process as in the unlikely event that the tenant absconds this information could be vital in tracing the debtor. Date of Incorporation Mortgages and Debenture Information Registered Office/Trading Address Financial Analysis Information Previous Names - Profit & Loss Account Extracts SIC Codes/Business Activities - Balance Sheet Extracts UK Subsidiaries - Return Data Directors Information - Trade Creditor Data Credit Profile Information - Overdraft/Loans Data - County Court Judgement Data For more info, visit the Letting Agents section at: gu u k re nt 4 Bankruptcy Data Address Verification/Residency Confirmation ardt . .co enantref - Company Assets - Details of Liquidation, Receivership etc. - Credit Rating/Creditor Days Once all of the available data has been collected, a credit limit will be manually calculated by one of our trained analysts and a comprehensive, easy to read report will be compiled. The report will advise you of the company’s registered name, number, activities, date of latest accounts, legal status and suggested credit limit. This information will provide you with a comprehensive financial view of the company. 5 Once you have logged in, select the appropriate service option for your new tenant reference. HOW IT WORKS Instant online credit checks at: gu .u k re nt ardt .co enantref - Full Profile For Full Profile applications you will be asked to enter the following details for each applicant/guarantor: •Name • Email address • Details of the property address • The monthly rent amount - Online Credit Check For Online Credit Check applications you will be asked to enter the following details for each applicant: •Name • Date of birth • Two most recent addresses 3 CREATING A NEW TENANT REFERENCE ONLINE - Company referencing For Company Applications you will be asked to enter the following details: • Company name • Company registration number • Company address and contact details Before ordering a tenant reference, you must register with us online (at rentguardtenantref.co.uk) or fill in the registration form and fax or post it back to us. 1 REGISTERING There are 3 alternative ways to submit a new application: Registration is FREE A) Complete these details yourself online All you need is to provide your agency name, address and contact details. B) Invite your tenants (or guarantors) to complete their own applications online When ordering a Full Profile Reference simply provide the name and e-mail address of each prospective tenant or guarantor and we will send them an e-mail invitation in order to complete the application online. Once you have completed the simple registration process, you will receive a username and password via email which will enable you to access the service. One of our account managers will then contact you to help and assist you with any further enquiries you may have. You will be able to check the status of the application at any time and view their application details within your account. 4 Our fast Tenant Referencing service for Letting Agents is available online (at rentguardtenantref.co.uk). To order a new tenant reference - login to your account with the username and password provided. Alternatively we can supply you with printed Tenant or Company application forms. Once completed, it may be returned to us by email to: [email protected], or faxed back to us on 0844 8122 022. (See 4 ‘Submitting your application forms to us’ for more details). 6 2 ORDERING SUBMITTING THE APPLICATION FORM TO US AUTHORISATION TO CARRY OUT CHECKS ! It is against the law to carry out a credit check without first obtaining permission from the tenant. Simply download the consent form and retain a copy signed by the applicant and, if required, by the guarantor. All tenants will be asked to print and return a signed declaration. This will authorise the applicants’ referees to respond to our enquiries (a fax or email scan is sufficient for the majority of employers). C) Submitting paper application forms* If you prefer, you can give a paper application form to each prospective tenant/guarantor. Completed forms should be returned to the following address: 29-30 Miners Way Lakesview Business Park Canterbury Kent CT3 4LQ or faxed back to us on 0844 4122 022 *Paper application forms are available to download from our website at rentguardtenantref.co.uk 7 INFO FOR AGENTS GUIDELINES Information Has the application form been completed fully, signed and dated? Does the history of recent residence piece together? Does the employment history appear valid? Do you have all the information necessary to enable the application to be referenced quickly? Identification of Applicant Have you obtained and kept a copy of valid identification from the applicants? Valid forms of identification are passport, driving licence, household utility bill, bank letter or local authority letter. Overseas Applicants Have you obtained a copy of the applicant’s passport? This should be faxed to us with the application form. Have you obtained a copy of the applicant’s work permit (if applicable)? This should be faxed to us with the application form. Have the applicants supplied all previous addresses for at least the last three years? If the applicants have previously lived in the UK have they supplied the address(es) where they resided? Students & Housing Benefit Tenants We require a Guarantor for both Student and Housing Benefit Applications. You may wish to consider submitting the Guarantor application at the same time as the main applicant. IDENTIFICATION THEFT ALERT Identity theft is a growing concern nationwide and a problem that we are determined to respond to. We now include the following checks in order that we may help combat this ever increasing threat. Residency: • Check to see if the applicant is currently registered on the latest edited annual Electoral Roll at the address provided • Check for communications and utilities supplier accounts • Check for bank and building society accounts • Check for financial services or lender accounts Identity: • Check the applicant's supplied date of birth against those held on credit accounts at the current, previous and linked addresses. Only an exact match is positive proof. Alerts: In addition to the above residency and identity checks we are also able to check for mortality (death) alerts and financial sanctions alerts from HM Treasury and EU databases. Salary Levels As the salary only forms one part of the overall referencing criteria, it must not be implied that because the applicant earns a particular salary the tenancy would automatically be agreed. Self-employed Applicants For more info, visit the Letting Agents section at: gu .u k nt re Has the self-employed applicant completed their accountant’s business/trading details? If the applicant does not have an accountant you should obtain a copy of applicant’s most recent tax return. This should be faxed to us with the application form. If neither of the above can be produced it is likely the applicant will need a guarantor. Please call us for further information. ardt .co enantref WE NEED YOUR HELP Agents are reminded that they must obtain the applicant's ID at the time of accepting the completed application form from the prospective tenant. Ideally, one part of the ID should bear a photo of the applicant. This should then be forwarded to us with the application form. You will also need to retain a copy for the duration of the tenancy. 8 9 SERVICE SUMMARY What our services include Read more about u k re gu ardt . .co enantref Insight Company Full Profile Employment status confirmed by telephone Guarantor requirements at nt Credit Search Employment status confirmed in writing County court judgement search Bankruptcy search Tenant default, fraud & theft data file search Alias search Current landlords/letting agents contacted by telephone Current landlords/letting agents confirmed in writing Nationwide address search Company house - directorship searches Profit & loss accounts analysed GUARANTOR REQUIREMENTS A guarantor can be anyone that a tenant puts forward. They would have to sign a guarantor agreement and will be subject to a reference carried out either by Rentguard or one of our approved referencing companies. The following can be deciding factors to see if a guarantor can support the tenant's application: • The guarantor must be confirmed as being a resident at the address(es) they have provided. Accounts contacted by phone (if self-employed) N/A Accounts confirmed in writing (if self-employed) ID verification check Existing credit data analysed Company status Other directorships located & analysed Land Registry search Supplier payment rating • Their income must be verified to be sufficient to cover the tenant’s rent (please see below for calculations). • Home ownership is a plus – though not a necessity. • If a guarantor is self-employed, they must prove to possess the same requirements as indicated in the self employed applicants section. • Guarantors must be residing in the UK, must have a traceable UK credit history and also have valid identification. The following diagram shows salary levels and the maximum rent that can be afforded by a person, against their guaranteed income (salary), for both the tenant and the guarantor. This guideline is designed to establish if the applicant (both tenant and guarantor) is financially suitable to pay the rent and we advise the diagram be referred to prior to submitting the completed application form for referencing, Salary Applicant Guarantor £10,000 £290pcm £210pcm £13,000 £370pcm £270pcm £17,000 £495pcm £350pcm An example of the above rent cover for the guarantor is: If the guarantor earns £10,000 – they can cover the rent for a property worth £210 If the tenant earns £17,000 – they can afford a property worth £495 How you calculate the above: Rent x 12 months x 100 divided by 35 = Salary (Tenant) Rent x 12 months x 100 divided by 25 = Salary (Guarantor) All the above are based on minimum requirements and calculations, please contact our team if the applicant's circumstances are different or you are unsure if they meet the above requirements. 10 11 Protect your rental income with Rent & Legal Protection Insurance. Choose from this range: • Legal Expenses Only Insurance This is a comprehensive Legal Expenses product that will cover the landlord's cost of any legal disputes between themselves and their tenant(s). Advisor costs covered up to £25,000 per claim. This is a 12 month policy. LEGAL EXPENSES & RENT GUARANTEE INSURANCE At Rentguard, we understand that even the best intentioned tenants sometimes fall on hard times, landlords should therefore seriously consider protecting their income against unforeseen circumstances with Rent Guarantee cover. Available on both a six or twelve month basis, at extremely affordable rates, this product protects landlords against any unwanted expenses occurring from their rental properties. We pay out up to £2,500 a month in missed rental income, providing peace of mind. Benefits include: • Legal expenses up to £25,000per claim • Policy matched to the specific property& tenancy agreement • If the tenant(s) defaults, we pay monthly rent up to £2,500 (maximum of £15,000 per claim) • Covers up to 5 tenants per policy • Legal Expenses & Rent Guarantee (with excess) * (6 Months) Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s). Rent guarantee insurance of up to £15,000with a maximum of £2,500 per month. Advisor costs covered up to £25,000per claim. This is a 6 month policy. • Legal Expenses & Rent Guarantee (with excess) * (12 Months) Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s). Rent guarantee insurance of up to £15,000with a maximum of £2,500 per month. Advisor costs covered up to £25,000per claim. This is a 12 month policy. *Excess is 1 month's rent • Legal Expenses & Rent Guarantee (no excess) (6 Months) Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s). Rent guarantee insurance of up to £15,000with a maximum of £2,500 per month. Advisor costs covered up to £25,000 per claim. This is a 6 month policy. LEGAL EXPENSES ONLY Our comprehensive legal expenses product covers against any legal expenses that may arise. Legal Expenses up to £25,000per claim For an instant quote, or for more information about Legal Expenses & Rent Guarantee cover, speak to one of our friendly customer services team on 0800 783 1626. Please note that tenant referencing is a requirement for both these services. • Legal Expenses & Rent Guarantee (no excess) (12 Months) Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s). Rent guarantee insurance of up to £15,000with a maximum of £2,500 per month. Advisor costs covered up to £25,000per claim. This is a 12 month policy. Tel: 0800 783 1626 Fax: 0208 586 1062 FANTASTIC OFFER! Email: [email protected] Get Tenant Referencing, Legal Expenses & Rent Guarantee combined for big savings! 12 For more information please visit: www.rentguardtenantref.co.uk 13 Application Reference: W600110 Report Date: 24/6/2013 Report sent by Stuart Simms SAMPLE REPORT Applicant Agreed COMPLETED SAMPLE REPORT - FULL PROFILE Application Reference: W600110 24/6/2013W600110 Report Date:Reference: Application Full Check Report for Example Letting Agents W600110 Application Stuart Simms Report sent by 24/6/2013 Date:Reference: 24/6/2013 Report sent Date:by Stuart Simms Report Report sent by Stuart Simms Application Reference: W600110 Report Date: 24/6/2013 Simms Example - Applicant Report sent by Stuart Subject: Mr Jonathan APPLICANT Full Check ReportAGREED for Example Letting Agents Example Letting Agents Full Check Lower Report for Military Property: CT1 1AF House, Road, Canterbury Letting Agents Full Check Report for Example Applicant Agreed Applicant Agreed Applicant Agreed Full Check Report for Example Letting Agents Subject: Mr Jonathan Example - Applicant Applicant Agreed Subject: Reference: Example - Applicant Mr Jonathan W600110 Application W600110 Application Reference: Subject: Example Applicant Mr Jonathan Property: Lower House, Military -Road, Canterbury CT1 1AF 24/6/2013 Report Date: Address Information 8/7/2013 Report Date: Property: Lower House, Military Road, Canterbury CT1 1AF Stuart Simms Report sent byby Stuart Simms Report sent Property: Lower House,Example Military -Road, Canterbury CT1 1AF Subject: Searched: Applicant Mr Jonathan Addresses 1 The Avenue, Canterbury, Kent CT1 1AD Property: Lower House, Military Road, Canterbury CT1 1AF 2 The Crescent, Canterbury, Kent CT1 1AE Address Information Example Full Linked Addresses Locatedfor & Searched: ExampleLetting LettingAgents Agents FullCheck CheckReport Report for 3Address First Street,Information Canterbury, Kent CT1 1AG Address Information Addresses Searched: Applicant Agreed Date of Birth: 01/01/1980 Rent amount: £675 Date of Birth: Date of Birth: Date amount: of Birth: Rent Rent amount: Rent Date amount: ofLevel: Birth: Match Individual Rent amount: Individual 01/01/1980 01/01/1980 01/01/1980 £675 £675 £675 01/01/1980 Match Source: Credit Data £675 Electoral Roll Application Reference: W600110 Application 8/7/2013 W600110 Report Date:Reference: W 8/7/2013 Report Stuart Simms Report Date: sent by W600110 Application Report sent Reference: by Stuart Simms Report Date: 8/7/2013 mm Report sent by Stuart Simms Application Reference: W600110 Report Date: 8/7/2013 Full Report Simmsfor Example ReportCheck sent by Stuart COMPLETED SAMPLE REPORT - FULL PROFILE Letting Agents APPLICANT Full Check ReportDECLINED for Example Letting Agents u Che Repo o E amp e e n A en Applicant Declined Full Check Report for Example Letting Agents Applicant Declined App an De ned Applicant Declined Subject: Jonathan - Applicant Example Letting Agents Full Check Mr Report forExample Subject: Mr Jonathan Example - Applicant Identity Confirmed: A Applicant Agreed A B C D E 14 We have assessed the information available to us and based on this information we suggest that this applicant is suitable to undertake the Sort Code: Number: 27864468 Direct Debit Capable: Yes Faster Yes Moderate Risk Level: matches As part oftenancy the309766 credit weAccount have searched for existing credit accounts that match theshown. name and date of birth Payments: shown. Positive Sort Code: 309766 Account Number: 27864468 Direct Debit Capable: Yes Faster Payments: Yes required andcheck capable of meeting monthly rent payments up to the credit limit £950.00 Rental Limit: Active CCJs Located: 0 CCJ Data of thisAmount (£) isDate Recommendation confirm the applicant's summary information shown below. Case Number Court Creditthat Check Resultsdate of birth is correct. ANone located Applicant suitable to proceed on normal terms Conditions: Further recommendations: Satisfied CCJs Located: 0 ClosedAgreed We haveResult: assessed information available us andLenders based on this information is suitable to undertake the Address Openthe Accounts Accounts to Recently Updated we suggest that this applicant Credit Bureau Searched: Equifax Current Overall Applicant We have searched the filesWay, of a Lakesview leading credit reference agency using the details supplied by the applicant. 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This report provided in accordance with our terms andverify conditions at www.rentguardtenantref.co.uk/terms. personal data is processed and stored in CCJ Total original bank statement or £0 payslip double theoravailable information suppliedhave on the employment reference. £950.00 Rental Limit: This report is provided in accordance withto our terms and conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in accordance with the Data Protection Act and our Privacy Policy. Please keep this report safe and do not keep it for longer than is necessary for its intended purpose. accordance with the Data Protection Act and our Privacy Policy. keep safe and dowe notsuggest keep it forthat longer than is necessary for its intended purpose. the We have assessed available to us andPlease based onthis thisreport information this applicant is suitable to undertake Bankruptcy Data: the information No Overall Result: Agreed Applicant suitable to proceed on normal terms Conditions: Further recommendations: required tenancyInsurance and capable of meeting monthly rent payments up to the credit limit shown. Rent Guarantee Ask to see original photographic proof of identification and retain a copy. A photo driving licence passport is preferred. Ask to see an Active CCJs Located: Data Amount (£)policies. Datename Case 0wecover matches As part of the credit check have searched existing credit accounts that match the andordate ofNumber birth shown. Positive This applicant is suitable for under ourfor range ofCCJ Rent & Legal Protection For further information orCourt to obtain cover £950.00 Rental Limit: Moderate Risk Level: located original bank statement or payslip double verify information supplied on the is employment reference. confirm thatwww.rentguard.co.uk the applicant's date ofto birth correct. ANone summary of this information shown below. please visit or call is0800 783the 1626. Bank Account Overall Agreed SatisfiedResult: CCJs Located: Applicant 0 Applicant suitable to proceed on normal terms Conditions: Address Opendetails Accounts Closedby Accounts Updated Credit Bureau Searched: Equifax Currenthave Lenders Chelmsford The bank account provided this applicant beenRecently validated. The bank account is held with LLOYDS TSB BANK PLC, Further recommendations: Rent Guarantee £950.00 Rental £0 CCJ Total Value: Insurance A1Limit: 1 Moderate 1 0 CM1 1JS. 1 Risk Level: Legg St Osc,original 1 Legg Street, Chelmsford, Ask see photographic proof of identification and retain a copy. A photo driving For licence or passport is preferred. Ask to see an Thisto applicant is suitable for cover under our range of Rent & Legal Protection policies. further information or to obtain cover original bankwww.rentguard.co.uk statementApplicant or No payslip to verify the information suitable to proceed on normalsupplied terms on the employment reference. Conditions: Bankruptcy Data: please visit or double call 0800 783 1626. 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For further information or to obtain cover accordance with the Data Protection Act and our Privacy Policy. Please keep this report safe and do not keep it for longer than is necessary for its intended purpose. Bankvisit Account please www.rentguard.co.uk or call 0800 783 1626. Rentguard Referencing | Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020 The bank account details by this applicant been Kent validated. account with LLOYDS TSB BANK PLC, Chelmsford Rentguard Minersprovided Way, Lakesview Business Park,have Canterbury, CT3 4LQ |The Tel:bank 0844 412 2020 is held This report Referencing is provided in| accordance with our terms and conditions available at www.rentguardtenantref.co.uk/terms. 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This section provides results of the reference and recommendations Property: Lower House, Military Road, Canterbury CT1 1AF Linked Addresses Located & Searched: App an De ned e n A en Date of Birth: Date of Birth: Rent amount: Date of Birth: Rent amount: m Rent amount: Date of Birth: 01/01/1980 01/01/1980 £675 01/01/1980 £675 Rent amount: £675 A £675 01/01/1980 Match Level: Match Source: Match Level: MatchData Source: Individual Credit M M Individual Credit Data Individual Electoral Roll Match Level: Match Source: Individual Electoral Roll Individual Credit Data Individual Electoral Roll Yes Residency Confirmed: Match Level: Match Source: Residency Confirmed: Yes Individual m Credit Data Yes Identity m Confirmed: Individual Electoral Residency Confirmed: Yes Identity Confirmed: Yes Roll m Identity Confirmed: Yes Residency Confirmed: Yes 2 - Mr Jonathan Example Report Page W600110 Reference: 3Application First Street, Canterbury, Kent CT1 1AG W600110 Application Reference: Credit Check Results 8/7/2013 Report Date: Credit Check Results 8/7/2013 Report Date: Stuart Simms sent by Identity Confirmed: Yes m M Employment &Simms Income Details C ed Che u of a leading Add esearched n oRe ma Report sent by Stuart We have the files on credit reference agency using the details supplied by the applicant. We have located 1 Active CCJ Yes Records in the name of this applicant. No bankruptcy or insolvency records have been located for this applicant. CCJ Total Value: £0 W600110 Application Reference: 24/6/2013 Report Date: Applicant Agreed This applicant is employed. We have contacted their employer, Canterbury Dental Surgery 1 High Street, Canterbury , Kent any CT1 CCJ We have searched the files aSearched: leading credit reference agencyof using the details supplied byLimited, the applicant. We have not located Linked Addresses Located &of Occupation: Dental Surgeon Length employment: 2 years, 0 months 24/6/2013 Date: Stuart Simms Report sent by Linked Addresses Located &Searched: Report Page 2 -1/1/2014. Mr Jonathan Example CCJs Located: CCJapplicant Data Amount on (£) a fixed Number Court 0applicant. 1AB forsent confirmation of this their employment details. This is records employed term contract due to expire on Residency Confirmed: 3Active Canterbury, Kent CT1 1AG Yes Records in the name of No bankruptcy or insolvency have beenDate located for thisCase applicant. Bankruptcy No Stuart Simms Report byData: Confirmed: 3First FirstStreet, Street, Canterbury, Yes None located Active CCJs Located: CCJIncome Data Amount (£) Date Residency Case Number Court 0Kent CT1 1AG W600110 Application Reference: Confirmed Income: £35000 verified by: Employers Reference / Pension statements Subject: Date of Birth: Jonathan Example Applicant Mr 01/01/1980 Employment & Income Details Active CCJs Located: CCJEmployment Data Amount (£) Date term contract Case Number Court Applicant Type: Type: Fixed Satisfied CCJs Located: Employed 0 None located 24/6/2013 Report Identity Confirmed: Yes As partDate: of the credit check we have searched for existing credit accounts that match the name and date of birth shown. Positive matches Identity Confirmed: Yes None located Satisfied CCJs Located: Simms 0 Report sent by Stuart confirm that the applicant's date of birth is correct. summary this information is2shown below. Report Page 2 - Mr Jonathan Example Property: Rent amount: CT1of 1AF Lower House, Military Road, Canterbury £675 CT1 This applicant is employed. We have contacted theirAemployer, Canterbury Dental Surgery Limited, 1 High Street, Canterbury , Kent Satisfied CCJs Located: 0 Occupation: Dental Surgeon years, 0 months £0 CCJ Total Value: Active CCJs Located: CCJLength Data of employment: Amount (£) Date Case Number Court 0 1AB for confirmation of their details. This applicant is employed on a fixed term contract due to expire on 1/1/2014. £0 employment CCJAddress Total Value: None located Open Accounts Closed AccountsLetting Current Lenders Recently Updated Credit Bureau Searched: Equifax Example Agents Full Check Report for Employment & Income Details £0 CCJ Total Value: Confirmed Income: £35000 Income verified by: Employers Reference / Pension statements Bankruptcy Data: No Application Reference: Satisfied Located: 0 Credit Check Results A1 CCJs 1W600110 1 Employment 1Type: 0 Credit Check Results Applicant Type: Employed Fixed term contract Bankruptcy Data: No Report Page 2 - Mr Jonathan Example Report Date: 24/6/2013 Applicant Agreed CT1 This applicant is employed. Wehave havesearched contacted their employer, Canterbury Dental Surgery Limited, 1 High Street, Canterbury , Kent Bankruptcy Data: No matches As part ofsearched the credit check we for existing credit accounts that match the name and date of birth shown. Positive Stuart Simms Report sent by CCJ Total Value: £0 any CCJCCJ We have the of a aleading credit reference agency using the details bybythe applicant. We have located Current Residential Status We have searched the files of leading credit agency using the details the applicant. We havenot 1 Active 1AB for confirmation offiles their employment details. This applicant employed on supplied a supplied fixed term due to expire onlocated 1/1/2014. Occupation: Dental Surgeon Length of employment: 2shown years, 0contract months As part of credit have searched forreference existing credit accounts that match name and date of birth shown. Positive matches confirm that the applicant's date of birth correct. Aor summary ofis this information isthe below. Employment &check Details Records inthe the name ofIncome thiswe applicant. Noofisbankruptcy insolvency records have been located for this applicant. Address Information As part of the credit check we have searched for existing credit accounts that match the name and date of birth shown. records Positivehave matches been with a total value of £950 in the name this applicant. Further details are shown below. No bankruptcy or insolvency confirm that the applicant's date birth isaccommodation. correct. A summary of this information shown below. Bankruptcy Data: No This applicant is currently living inofrented We have contacted the is letting agent, Canterbury Residential Lettings & Sales, 2 Subject: Date of Birth: /01/01/1980 Jonathan Example - Applicant Mr Applicant Type: Employed Employment Type: Fixed term contract Confirmed Income: £35000 Income verified by: Employers Reference Pension statements Address Open Accountsdate Closed Accounts Recently Bureau Canterbury Searched: Equifax Current confirm that applicant's of birth is correct. summary of thisUpdated information is shownLimited, below. 1 Credit located for the this applicant. This applicant is employed. We have contacted theirALenders employer, Canterbury Dental Surgery High Kent CT1 High Street, Canterbury , Kent, CT1 1AC and obtained confirmation of1how the tenancy wasMatch conducted. TheStreet, applicant has been, confirmed Addresses Searched: Level: Match Source: A1of 1of their 0 1Lenders Address Open Accounts Closed Accounts Recently Updated Credit Bureau Searched: Equifax Current 1AB for confirmation employment details. This applicant is employed on a fixed term contract due to expire on 1/1/2014. As part the credit check we have searched for existing credit accounts that match the name and date of birth shown. Positive matches Bank Account Property: Rent amount: CT1 1AF Lower House, Military Road, Canterbury £675 Occupation: Dental Surgeon Length of employment: 2 years, 0 months the current address. previous has been supplied by the1Updated applicant. 1at The Avenue, Canterbury, Kent CT1Accounts 1AD Individual Credit Bureau Credit Data Equifax Address Open Accounts Closed Recently Searched: Current Current Residential Status A1 1 No 0address 1ALenders Example Letting Agents Full Check Report for Active CCJs Located: CCJ Data Amount (£)(£) isDate Number Court 0 date that the applicant's birth is correct. summary information shown below. Case Data of this Amount DateIndividual Case Number Court 1Kent of Active CCJs Located: 2confirm The Crescent, Canterbury, CT1 Electoral Roll A1 1 1Type: 0 1AE 1 CCJ Applicant Type: Employed Employment Fixed term contract located Length of account tenancy: 1 years have 1None months Monthly rent amount: splitBANK between The bank details provided by this applicant been validated. The bank account is held with LLOYDS TSB PLC,2Chelmsford Confirmed Income: £35000 Income verified by: Employers Reference /£500 Pension statements CJ £950.00 1/1/2009 AB1234X LONDON This applicant is currently living in rented accommodation. have contacted Residential Lettings & Sales, 2 Applicant Agreed Address Open Accounts Closed Accounts Recently Updated the letting agent, Canterbury Credit Bureau Searched: Equifax Current LendersWe Satisfied CCJs Located: 0&0Searched: Legg St Addresses Osc, 1 Legg Street, Chelmsford, CM1 1JS. Linked Located Satisfied CCJs Located: High Street, Canterbury 1AC of1how the tenancy was conducted. applicant has been confirmed Occupation: DentalCT1 Surgeon Length of employment: 2 years, 0 months TheYes A1 0 and obtained 1 confirmation Rent OK? 1 , Kent, Yes Correct notice given? Residency Confirmed: 3 Firstpayments Street, Canterbury, Kent CT1 1AG Yes at the current address. No£0 previous address has been supplied by the applicant. CCJ Total Value: £950 CCJ Total Value: Current Residential Status Bank Account Confirmed Income: £35000 Income verified by: Employers /01/01/1980 Pension statements Subject: Date of Birth: Jonathan ExampleNumber: - Applicant Mrwell? Property Yes 27864468 Reason ending: Relocation of employment Sort Code:treated 309766 Account Direct Debit for Capable: Yes Reference Faster Payments: Yes Address Information Identity Confirmed: Yes between Length of tenancy: 1 years 1 months Monthly rent amount: £500 split 2 Bank Account Bankruptcy Data: NoNo in rented accommodation. Bankruptcy Data: This applicant is currently living Wevalidated. the letting agent, Canterbury Residential Lettings & Sales, 2 Bank Account The bank account details provided by this applicant have been The bank accountRent is held with LLOYDS TSB BANK PLC, Chelmsford Property: amount: CT1have 1AFcontacted Lower House, Military Road, Canterbury Addresses Searched: Match Level:The£675 Match has Source: High Street, Canterbury , Kent, CT1 1AC and obtained confirmation of how the tenancy was conducted. applicant been Rent payments OK? Yes Correct notice given? Yes The bank account details provided by this applicant have credit been validated. Thematch bank account is held with of LLOYDS TSB BANK PLC, confirmed Chelmsford Legg StAvenue, Osc, 1 Legg Street, Chelmsford, CM1 1JS. matches As part ofof the credit check we have searched forforexisting accounts that the name and date birth shown. Positive 1 The Canterbury, Kent CT1 1AD Individual Credit Data Current Residential Status matches As part the credit check we have searched existing credit accounts that match the name and date of birth shown. Positive The bank account details provided byaddress this applicant have been validated. The bank account is held with LLOYDS TSB BANK PLC, Chelmsford at the current address. No previous has been supplied by the applicant. Legg StCrescent, Osc, 1the Legg Street, Chelmsford, CM1 1JS. Bank Account confirm that applicant's date of birth is correct. A summary of this information is shown below. Rentguard Referencing | Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020 2 The Canterbury, Kent CT1 1AE Individual Electoral Roll Credit Check Results confirm that thewell? applicant's date of birth correct. A summary of this Reason information is shown below. Property treated Yes for ending: Relocation of employment Legg St Osc, 1 Legg Street, Chelmsford, CM1is1JS. This report provided in accordance with termsaccommodation. and1conditions available www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in Sales, 2 This applicant is currently living in our rented Weathave contacted the letting agent, Canterbury Residential Lettings Length ofistenancy: years 1 months Monthly rent amount: £500 split between 2 & Sort Code: 309766 Account Number: 27864468 Direct Debit Capable: Yes Faster Payments: Yes The bank account details provided by this applicant have been validated. The bank account is held with LLOYDS TSB BANK PLC, Chelmsford Address Open Accounts Closed Accounts Updated Bureau Searched: Equifax Current Lenders Linked Addresses Located &ofSearched: accordance withCanterbury the Data Protection Act and1AC our Privacy Policy. Please keep Recently this report safe and not keepwas it for longer than Credit is Credit necessary for its intended purpose. any CCJ We have searched the files aCT1 leading credit reference agency using the details supplied byYes the applicant. We have not Address Open Accounts Closed Accounts Current Lenders Recently Updated Bureau Searched: Equifax confirmed High Street, , Kent, and obtained confirmation of how thedotenancy conducted. The applicant haslocated been Code: Account Number: 27864468 Direct Faster Payments: Yes Current Residential Status A1 1 1 Kent 1 1 Debit Capable: Residency 00 11 Recommendation Legg St Osc, 1309766 Legg CM1 1JS. 3Sort First Street, Canterbury, CT1 1AG Yes A1 Rent payments OK?Street, Yes Correct given? Yes Payments: Records in the name of this applicant. No bankruptcy or insolvency records have notice been located applicant. Sort 309766 Account Number: 27864468 Direct Debit Capable: Yesfor thisConfirmed: Faster Yes at theCode: current address. NoChelmsford, previous address has been supplied by the applicant. Address Information Thishave applicant is currently living in rented accommodation. We have contacted the letting agent, Canterbury Residential Lettings & Sales, 2 We assessed the information available to us and based on this information we suggest that this applicant is suitable to undertake Identity Confirmed: Yes Length of tenancy: 1 years 1 months Monthly rent amount: £500 split between 2 Property treated well? YesPark, Canterbury, Kent CT3 4LQReason for412 ending: Relocation of employment the Rentguard Referencing | Miners Way, Lakesview Business |the Tel: 0844 2020 Addresses Searched: Level:The Match Source: High Street, Canterbury , Kent, CT1 1AC and obtained tenancy wasMatch conducted. applicant has been confirmed Sort Code: 309766 Account Number: 27864468 Direct Capable: Yes Faster Payments: Yes required tenancy and capable of meeting monthly rentconfirmation payments upof tohow theDebit credit limit shown. This report is provided in| accordance with ouraddress terms andhas conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in Rentguard Referencing Miners Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020Individual 1Rent The Avenue, Canterbury, Kent CT1 1AD Data at the current address. No0Way, previous been supplied by the applicant. payments OK? Yes Correct notice given? YesCredit Active CCJs Located: CCJ Data Amount (£) Date Case Number Court Rentguard Referencing | accordance Miners Way, Lakesview Business Park,Please Canterbury, Kent CT3 4LQ |and Tel:do 0844 412 2020 Recommendation accordance with the Data Protection Act and our Privacy Policy. keep this report safe not keep it for longer than is necessary for its intended purpose. This report is provided in with our terms and conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in 2 The Crescent, Canterbury, Kent CT1 1AE Individual Electoral Roll located This report iswith provided in accordance withand ourour terms and1Policy. conditions available at www.rentguardtenantref.co.uk/terms. personal data is for processed and stored Length of tenancy: yearsPlease 1None months Monthly rent £500 split between 2 in accordance the Data Protection Act Privacy keep this report safe and do not keepamount: it for longerAllthan is necessary its intended purpose. Bank Account Overall Result: Applicant Credit Check Results Property treated well? Yes Reason for ending: Relocation of employment Satisfied CCJs Located: 0 Act andAgreed Bank Account accordance with the Data Protection our Privacyto Policy. Please keepon thisthis report safe and do not it for longer thanapplicant is necessary its intended purpose. the We have assessed the information available us and based information wekeep suggest that this isforsuitable to undertake Linked Addresses & Searched: Rentguard ReferencingLocated | Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020 required tenancy and capable meeting monthly rent payments up to the credit limit shown. Rent payments OK? Yes Correct notice given? Yes Residency Confirmed: 3We First Street, Canterbury, Kent 1AG YesBANK Chelmsford The bank account provided by this applicant have been The account isthe with TSB PLC, This report is provided inthe accordance our terms and conditions available atvalidated. www.rentguardtenantref.co.uk/terms. All personal data processed and stored in CCJ £950.00 Rental Limit: any have searched files of with aofCT1 leading credit reference agency using the details supplied by applicant. Weishave located £0 CCJ Total Value: Chelmsford The bank accountdetails details provided by this applicant have been validated. Thebank bank account isheld held withLLOYDS LLOYDS TSBnot BANK PLC, accordance with Data Protection Act and ourNo Privacy Policy. Please keep this report safe and do not keeplocated it for longer necessary for its intended purpose. Legg 1the Street, CM1 1JS. Records inOsc, the name of thisChelmsford, applicant. bankruptcy have been for than this isapplicant. Recommendation LeggStStOsc, 1Legg Legg Street, Chelmsford, CM1 1JS. or insolvency records Property treated well? Yes Reason for ending: Relocation of employment Identity Confirmed: Yes Applicant suitable to proceed on normal terms Conditions: Bankruptcy Data: No Overall Result: w H M Lower House, Military Road, Canterbury CT1 1AF mm Mr Jonathan Example - Applicant App anCanterbury, Demm ned 12 The Kent The Avenue, Crescent, Canterbury, KentCT1 CT11AD 1AE Searched: 2Addresses The Crescent, Canterbury, Kent CT1 1AE Information 1Address The Avenue, Canterbury, Kent CT1 1AD Linked Addresses Located & Searched: W600110 Reference: 23Application The Crescent, Canterbury, Kent CT1 1AE MLocated m1AG Linked Addresses & Searched: First Street, Canterbury, Kent CT1 Addresses 8/7/2013 Report Date:Searched: & CT1 1AG 3 The First Street, Canterbury, Kent 1Report Canterbury, Kent CT1 1AD sent by Stuart LinkedAvenue, Addresses Located Searched: wSimms H & M ECT1 amp Repo oKent 23 u The Crescent, Canterbury, CT1 1AEe FirstChe Street, Canterbury, Kent 1AG Address Information W600110 Application Reference: Credit Check Results This applicant is employed. Dental HighNumber Street, Canterbury , Kent CT1 Active CCJs Located: CCJ Data Canterbury Amount (£) Surgery Date Limited, 1Case Court 0 We have contacted their employer, 24/6/2013 Report Date: Credit Check Results Report Pagenot 2 - Mr Jonathan Example any CCJ We have searched the files of a leading credit reference agency using the details supplied by the applicant. We have located Addresses Searched: Match Level: Match Source: None located 1AB forsent confirmation of their employment details. This applicant is employed on a fixed term contract due to expire on 1/1/2014. Level: Match Addresses Stuart Simms Report bySearched: We have the a leadingNo credit reference agency using the details supplied byMatch the We have notSource: located any CCJ Records insearched the name offiles this of applicant. bankruptcy or insolvency records have been located forapplicant. this applicant. 1Satisfied Avenue, Canterbury, CT1 Individual Credit Data CCJs Located: 0Kent Letting Agents Full Check Report for 1The The Avenue, Canterbury, Kent CT11AD 1AD Credit Data We have the files of aExample leading credit reference agency using the details supplied byIndividual the applicant. We have not located any CCJ Employment &ofW600110 Income Details Records insearched the name this applicant. No bankruptcy orEmployment insolvency records located this applicant. Credit Check Results Applicant Type: Employed Type: have beenFixed termfor contract 2Application Canterbury, Kent Individual Electoral Reference: 2The TheCrescent, Crescent, Canterbury, KentCT1 CT11AE 1AE Individual ElectoralRoll Roll Property: Subject: Address Information Address Information Add n oRepo ma ono E amp e e n A en u eChe Addresses Searched: W Address Information Searched: 1Addresses The Avenue, Canterbury, Kent CT1 1AD Residency Confirmed: Yes Match Level: Match Source: Applicant Declined 1Addresses The Avenue, Canterbury, Kent CT1 1AD Individual Credit Data Searched: Match IdentityLevel: Confirmed:Match Yes Source: Addresses Searched: Match Level: Match Source: 12Application The Avenue, Canterbury, Kent CT1 1AD Credit Data Crescent, Canterbury, Kent CT1 1AE Individual Electoral Roll Address Information W600110 Reference: 12 The Avenue, Canterbury, Kent CT1 1AD Individual Credit Data The Crescent, Canterbury, Kent CT1 1AE Individual Electoral Roll Subject: Date ofofBirth: Jonathan Example - Applicant Mr 01/01/1980 Report Date: 24/6/2013 Subject: Date Birth: Jonathan Example Applicant Mr 01/01/1980 Addresses Located &Kent Searched: 2Linked The Crescent, Canterbury, CT1 1AE Individual Electoral Roll Addresses Match Level: Match Source: Report sent Searched: by Stuart Simms Residency Confirmed: FirstAvenue, Street, Canterbury, Kent CT1 YesData Linked Addresses Located & Searched: 13Credit The Canterbury, Kent CT11AG 1ADRoad, Individual Credit Property: Rent Lower House, Military £675 Check Results Property: CT11AF 1AF Lower House, Military Road,Canterbury CanterburyCT1 £675 Rentamount: amount: Linked Addresses Located & Searched: 3 First Street, Canterbury, Kent CT1 1AG Residency Confirmed: Yes 23 The Canterbury, Kent CT1 1AE Individual Electoral Roll Residency Confirmed: FirstCrescent, Street, Canterbury, Kent CT1 1AG W600110 Application Reference: Identity Confirmed: Yes We have searched theW600110 files of a leading credit reference agency using the details supplied by the applicant. We have not located any CCJ Application Reference: 24/6/2013 Report Identity Confirmed: Yes 2 - Mr Jonathan Example LinkedDate: Addresses Located Searched:No bankruptcy or insolvency records have been located Report Page Records in the name of this&applicant. for this applicant. 24/6/2013 Report Date: Identity Confirmed: Stuart Simms Report sent by Residency Confirmed: Yes 3 First Street, Canterbury, Yes Simms Kent CT1 1AG Report sent by Stuart Employment & Income Details Credit Check Results Address Information m M Property: Lower House,Example Military -Road, Canterbury CT1 1AF Applicant Declined Subject: Jonathan Applicant Mr W Property: Lower House, Military Road, Canterbury CT1 1AF B C D E A B C D E Credit Check Results Activebeen CCJ We have searched a leading referenceFurther agency details using the suppliedNo by bankruptcy the applicant. We have located 1 have with a total value £950 ofcredit this applicant. aredetails shown or Street, insolvency records wofthe Hfilesinofthe Mnamecontacted m 1 High W600110 Application Reference: CT1 This applicant is employed. their employer, Canterbury Dentalbelow. Surgery Kentbeen W M MCanterbury with a total value of £950 in We the have name of this applicant. Further details are shown below. NoLimited, bankruptcy or W insolvency records,have located for this applicant. 8/7/2013 Report We have searched theoffiles ofemployment a leading reference agency using the details by the applicant. Weexpire have located 1 Active CCJ 1AB forDate: confirmation their details. This applicant is employed on a fixed contract due to on 1/1/2014. w m credit w supplied w term located for thisStuart applicant. Report Page 2 - Mr Jonathan Example Credit Check Results Simms Report by with a sent total value of £950 in the name of this applicant. Further details are shown below. No bankruptcy or insolvency records have been Applicant Employed Employment Type: Fixed term contract located forType: this applicant. Letting Agents Full Check Report for Active CCJs Located: 1of aExample CCJ Data using the Amount (£) supplied Date by the applicant. Case Number Employment & Income Details We have searched the files leading credit reference agency details We have Court located 1 Active CCJ CCJ Data Amount (£) Date Case Number LONDON Court Active CCJs Located: W 1 & CJ £950.00 1/1/2009 AB1234X W600110 Application with a totalReference: value of £950 in the name of this applicant. Furtherof details are No bankruptcy or insolvency records have been Occupation: Dental Surgeon Length employment: 2 years, 0 months m shown below. mm CJ £950.00 1/1/2009 AB1234X LONDON Applicant Declined Satisfied CCJs Located: 0 CT1 This applicant is employed. We have contacted their employer, Canterbury Dental Surgery High Street, Canterbury , Kent Add eforCCJs nLocated: o ma on 8/7/2013 Report Report Page 2 - Mr Jonathan Example Active Date: CCJs Located: CCJ Data Amount (£) Date Limited, 1Case Number Court located this applicant. mm 1 Satisfied 0 1AB forsent confirmation of their employment details. This is employed term contract due/to expireLONDON on 1/1/2014. Stuart Simms Report by Confirmed Income: £35000 Income verified by: on a fixed Employers Reference CJapplicant £950.00 1/1/2009 AB1234X m £950 CCJ Total CCJs Value: M M Employment & Income Details Satisfied Located: 0 CCJ Total Value: Subject: Birth: Example - Applicant CCJEmployment Mr Jonathan 01/01/1980 Applicant Type: Employed Type: Fixed term of contract Data Amount (£) Date Date Case Number Court 1£950 Active CCJs Located: W Bankruptcy Data: £950.00 1/1/2009 LONDON , Kent CT1 This applicant is employed.No We have contacted their CJ employer, Canterbury Dental Surgery Limited, 1AB1234X High Street, Canterbury £950 CCJ Total Value: Bankruptcy Data: No Property: CT1of1AF Lower W House, Military Road, Canterbury Rent amount: £675 Occupation: Dental Surgeon Length employment: 2 years, 0 months Satisfied CCJs Located: 0 employment Report Pageon 2 - 1/1/2014. Mr Jonathan Example 1AB for confirmation of their details. This applicant is employed on a fixed term contract due to expire C ed Che Re u E amp e e n A en u Che Repo o mm As part of the credit check No we & have searched for existing credit accounts that match the name and date of birth shown. Positive matches Bankruptcy Data: mm £35000 As part of the credit we have searched for existing credit accounts that matchisthe name and date of birth shown. Positive matches Confirmed Income: Income verified by: Employers Reference confirm that the applicant's of birth is correct. A summary of thisType: information shown below. £950 CCJ Value: Employment &check Income Details Applicant Type: Employed Employment Fixed term contract /mW wdate m w m W Totalthat App an ned confirm the De applicant's date of birth is correct. A summary of this information is shownmbelow. Current Residential Status As credit check we have searched for existingmm credit accounts that name and of birth shown. Positive matches mof the mmatch w w date wpart m w the w Address Open Accounts Closed Accounts Current Recently Updated Bureau Canterbury Searched: Equifax Bankruptcy No This applicant is employed. We have contacted theirLenders employer, Canterbury Dental Surgery 1 Credit HighmStreet, , Kent CT1 Occupation: Dental Surgeon LengthRecently ofof employment: years,Limited, 0 months confirm thatData: the applicant's date of birth is correct. summary this1Updated information is2shown below. Address Open Accounts Current1ALenders Closed Accounts Credit Bureau Searched: M Equifax A1 1 0 This for applicant is currently living inmrented accommodation. We have contacted letting agent, Canterbury 1AB employment details. This is employed onthe a fixed term contract due toResidential expire on 1/1/2014. MLettings & Sales, 2 M A1confirmation 1of their 1 applicant 1 0 Address Information As part the credit check weClosed have searched for existing credit accounts that the name and date of /birth shown. matches Confirmed Income: £35000 Income verified by: Employers Reference Address Open& Accounts Accounts Current Lenders Recently Updated Credit Bureau Searched: Equifax confirmed High Street, Canterbury CT1 1AC obtained confirmation of how thematch tenancy was conducted. The applicant hasPositive been Emp oofthat men n, Kent, ome De aand Applicant Type: Employment term contract confirm the applicant's date of the this1Type: information isFixed shown below. 1A summary 0address Emp o Che men ome Debirth a is correct. m mMatch Source: at theA1 address. previous has been supplied by applicant. w&1 HnNoEmployed M of Matchm Level: Addresses Searched: C edcurrent Re u m AccountsKent W m m 1Length The Avenue, Canterbury, CT1 1AD Individual Credit Data Current Residential Status Address Open Closed Accounts Current Lenders Recently Updated Credit Bureau Searched: Equifax Occupation: Dental 2 years, 0 months of tenancy:m 1 years 1 months Monthly rent amount: £500 split between 2 W m Surgeon mLength of employment: m Canterbury, m mm 2WThe A1 Crescent, Kent CT10m1AE Individual 1 1 1 W Electoral Roll m m accommodation. We have m m Bank Account This applicant isOK? currently£35000 livingmin rented contacted letting agent, Canterbury Reside & Confirmed Income: Income verified by: Employers Reference /Yes w m wthe wgiven? Rent payments Yes Correct notice Bank Account mm m m Linked Addresses Located m & Searched: m w w Ban A oun m CT1by m m mheld with Residency Confirmed: 3The First Street, Canterbury, Kent 1AG YesBANK bank account details provided this applicant have been validated. The bank account is LLOYDS TSB PLC, Chelmsford Current Residential Status Property treated well? Yes Reason for ending: Relocation of employment Bank Account Add o details ma on The bank account by this applicant The bank account is held PLC, Chelmsford m m m with LLOYDS TSB BANK Legg St e Osc, 1nLegg Street,provided Chelmsford, CM1 1JS. have been validated. w m m Mm m Confirmed: Legg St of Osc, 1 Legg Street, Chelmsford, CM1 1JS. Yes Identity Length tenancy: 1 years 1 months m w m The bank mResidential This bank applicant ismcurrently living We have contacted the letting agent, &mSales, 2 The account details provided by thisMaccommodation. applicant have been account ismheldCanterbury with LLOYDS PLC, Chelmsford w min rented m w Lettings MTSB BANK mAccount m validated. m M Bank confirmed High Street, , Kent, CT1 1AC and obtained confirmation of how Debit themtenancy conducted. applicant has been Legg Stmm Osc, Canterbury 1309766 Legg Street, Chelmsford, CM1 1JS. 27864468 m m mwaswYes mm w The Sort Code: Account Number: Direct Capable: Faster Payments: Yes Rent payments OK? Yes at theCode: current309766 address. No previous address has been supplied by the applicant. Sort Account Number: 27864468 Direct Debit Capable: Yes Faster Payments: YesChelmsford The bank account details provided by this applicant have been validated. The bank account is held with LLOYDS TSB BANK PLC, Current Residential Status m m Credit Check Results Property treated m Yes Legg St of Osc, 1309766 Leggwell? Street, Chelmsford, CM1 1JS. Length tenancy: 1Yes years 1 months Monthly rent amount: £500Payments: split between 2m Sort Code: 27864468 Direct Debit Capable: Yes Faster & Account Number: This applicant is currently living in rented accommodation. We have contacted the letting agent, CanterburymResidential Lettings & Sales, 2 Recommendation CCJ We have searched the files of aCT1 leading credit reference agencyKent using the details supplied byconducted. the applicant. We have located 1 Active Rentguard Referencing | Miners Way, Lakesview Business Park, Canterbury, CT3 4LQCorrect |the Tel: 0844 412 2020 Rent payments OK? Yes notice given? Yes confirmed High Street, Canterbury , Kent, 1AC and obtained confirmation of how tenancy was The applicant has been Rentguard Referencing | accordance Minersin Way, Lakesview Park, Canterbury, Kent CT3 4LQ |Debit Tel: 0844 412 2020 This report is provided in with our terms andto conditions available at www.rentguardtenantref.co.uk/terms. personal data is Payments: processed and stored in with a current total value of £950 the name ofBusiness this applicant. Further details are shown below. NoYes bankruptcy or insolvency records have been Sort Code: 309766 Account Number: 27864468 Direct Faster Yes without We have assessed the usbeen and conclude that this person isCapable: not suitable toAllundertake the required tenancy at address. No address supplied the applicant. M information mdata Cu en Re den aWwprevious aand uavailable Thisthe report iswith provided in accordance with our terms andhas conditions available atby www.rentguardtenantref.co.uk/terms. personal is for processed and stored accordance Data Protection Act Privacy Policy. Please keep this safe and do not it formlongerAllthan is necessary itswintended purpose. m0844 min located for this Property treated well? Yes Reason forkeep ending: of history employment Rentguard Referencing | Miners Way, Business Park,Please Canterbury, Kent CT3 4LQ Tel: 2020 and the support ofthe aapplicant. suitable guarantor will areport confirmed resident at UKlonger address with aRelocation clear Cu en Re den aguarantor. aLakesview u Aour accordance with the Data Protection Act and oursuitable Privacy Policy. keep be this report safe|and do not 412 keep itafor than is necessary forcredit its intended purpose. Length of tenancy: 1 years 1 months Monthly rent amount: £500 split between 2 m isincome mm m w wthe This report providedor in accordance with ourthe terms and conditions available www.rentguardtenantref.co.uk/terms. personal processed and stored & in sufficient assets to cover rental obligations. We found adverse information inAll namedata of isthis applicant. mm W athave accordance with the Data Protection Act and our Privacy Policy. keep safe and do not keep it for longer than is necessary for its intended purpose. mm Please Wthis report Amount & m Ban A oun m w CCJ Data Date Case Number Court Active CCJs Located: Recommendation Rent payments YesPark, Canterbury, Correct notice given? Yes Rentguard Referencing | Miners 1 Lakesview Business Kent CT3 4LQw | Tel: (£) 0844 412 2020 C ed Che OK?Re u Way,with m m w w £950.00 1/1/2009 AB1234X LONDON This reportResult: is provided in accordance our terms and conditionsCJ available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in m Overall Applicant Declined w Satisfied CCJs Located: 0 Act andavailable without We have assessed theProtection information us and conclude this person is suitable to undertake the required tenancy Property treated well? Yes Reason fornot ending: Relocation of employment accordance with the Data our Privacyto Policy. Please keep thisthat report safe and do not keep it for longer than is necessary purpose. W W for its intended m A suitable M guarantor m will be a confirmed M resident atm w and the support of a suitable guarantor. a UK address with a clear credit history Rental Limit: £000.00 m m M w w w wm CCJ Total Value: sufficient income or assets £950 to cover the rental obligations. We have found adverse information in the name of this applicant. Recommendation m Conditions: Proceed with suitable m Data: m guarantor only m Bankruptcy No We have assessed the information available to us and conclude that this person is not suitable to undertake the required tenancy w m mwithout Overall Result: Applicant Declined Ban A oun Risk Level: High the support of a suitable guarantor. A suitablefor guarantor will beaccounts a confirmed at aname UK address with amclear credit history w check m and m mthatresident matches As part of the credit we have searched existing credit match the and date of birth shown. Positive sufficient income or assets todate cover the rental obligations. We have found adverse information in the name of this applicant. Rental Limit: £000.00 confirm that the applicant's of birth is correct. A summary of this information is shown below. w m Recommendation M W M Further recommendations: m Address Openthe Accounts Current Lenders Recentlythis Updated Equifaxwithout Closed Accounts Credit Bureau Searched: Conditions: Proceed with suitable only We have assessed information available to usguarantor conclude person issupplied not suitable to employment undertake thereference. required tenancy Overall Result: Applicant Declined Ask toA1see an original bank statement or payslip toand double verifythat the information on the 1 1 1 0 the support of a suitable guarantor. A suitable guarantor will be a confirmed resident at a UK address with a clear credit history and Risk Level: High m obligations. We have found adverse information in the name of this applicant. m Rental Limit: £000.00 sufficient income or assets to cover the rental Re ommenda on Rent Guarantee Insurance Re ommenda on Conditions: Proceed with onlyof our Rent &m We regret that this applicant does notsuitable meet theguarantor requirements Legal Protection policies. If a suitablewguarantor ismput w m w W m Further recommendations: Overall Result: Applicant Declined w W m cover forward and passes referencing will then be available. msee mm wverify the information m m suppliedwon the w w Ask an originalMbank statement or payslip to double employment reference. W Riskto Level: High wW m wm Bank Account m m Rental Limit: £000.00 m W m m The bankrecommendations: account details provided by this applicant have been validated. The bank account is held with LLOYDS TSB BANK PLC, Chelmsford Conditions: Proceed with suitable guarantor only Further D CM1 Legg Stsee Osc, Legg |Street, 1JS.Park, W mverify & 0844 Rentguard Referencing Miners Way, Lakesview Canterbury, Kent CT3 4LQ | Tel: 412 2020on the employment reference. Ask to an1 original bankChelmsford, statement payslip to double the information supplied D ormBusiness Risk Level: High with our terms w and conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in Thisw report is provided in accordance m Information of property bePlease letkeepand applicant’s details accordance the Data Protection Act and our Privacyto Policy. this report safe and do not keep it for longer than is necessary for its intended purpose. mwith 309766 Sort Code: Account Number: 27864468 Direct Debit Capable: Yes Faster Payments: Yes Rent Guarantee Insurance w Further recommendations: We that this applicant does w not meet the requirements of our Rent & Legal Protection policies. If a suitable guarantor is put Banregret A oun Ask to see ansection originalreferencing bank statement or payslip to double verify the information supplied on the employment reference. This summarises applicant’s residency and credit check information forward and passes cover will then be available. M H W H w m Rentguard Referencing | Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020 m M This report is provided in accordance with our terms and conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in Rent Guarantee Insurance Applicant’s employment and income information includes occupation mm accordance the Data Protection Act andnot our Privacy Policy. Please keep thisofreport not keep it for longer than ispresent necessary for itsemployer, intended purpose. We regretwith that meet the requirements our safe Rentand &do Legal Protection policies. If a suitable guarantor is put mmthis applicant does m m m m length of| referencing employment Rentguard Referencing Miners Way, Lakesview Business Canterbury, Kent CT3 4LQ m | Tel: 0844 412 2020 forward and passes cover will be available. m thenPark, m m m m B C D E and This report is provided in accordance with our terms and conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in accordance with the Data Protection Act and our Privacy Policy. Please keep this report safe and do not keep it for longer than is necessary for its intended purpose. W This section containsmthe details m of current&residential Ww m m & M W Rentguard Referencing | Miners Way, LakesviewwBusiness Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020 w w status This section provides a breakdown of the reference results and recommends further action This report is provided in accordance with our terms and conditions available at www.rentguardtenantref.co.uk/terms. All personal data is processed and stored in accordance with the Data Protection Act and our Privacy Policy. Please keep this report safe and do not keep it for longer than is necessary for its intended purpose. M M W W 15 INSURANCE PRODUCTS & SERVICES Tenants Contents Insurance Rentguard also provides a range of insurance products and services to the Residential and Commercial Lettings Market, backed up by first class administration and technical support facilities. Covers loss and damage to possessions as a result of fire, smoke, storm, flooding and much more. We provide contents insurance for tenants living in houses, flats and shared accommodation of all sizes across the UK. Our policies also include accidental damage to Landlord's fixtures and fittings. What can we do for you? You pass on the enquiry and we will do the rest. We will follow up all introductions, offer insurance advice and assessment, provide the quotes, and manage the administration and sales process. This allows you to earn commission from your existing relationships with home owners, tenants, residential landlords and commercial property owners. How we do it Proposal forms – Product information and insurance application forms for landlords and tenants. We will provide a free supply to get you started. Owner Occupier Insurance Full cover for your home and its contents at highly competitive rates. Fully branded or co-branded versions of our online quotation facility containing your unique tag can be integrated within your website allowing your customers to quote & buy online. Underwritten by leading UK insurers, legal liability to the public of £2,000,000 covered as standard. Lead Generation – You can provide us with contact details of customers and clients for us to call and discuss insurance requirements on a case by case or “across the board” basis. Cover available with or without contents. Whether expanding your portfolio of opportunity or offering insurance services for the first time, get in touch on 020 8587 1060 to discuss your individual requirements and to request a marketing pack. Building & Contents Insurance for Landlords We provide insurance to the private rented sector for virtually any type of let, including flat-shares and bed-sits. Loss of rents is covered up to 30% of the building sum insured. Up to 30 days of unoccupancy allowed. Policy excess from as low as £100 for buildings and £50 for contents. Legal Expenses & Rent Guarantee for Landlords Provides landlords with cover against defaulting tenants and unwanted legal expenses (see pages 12 & 13 for more details). Commercial Property Insurance Whether you are looking to protect an individual commercial property or a complete portfolio, we provide comprehensive cover for a wide range of commercial properties, including offices, restaurants, hairdressers, dental surgeries and many more. For more info, visit the Products & Services section at: 16 tgua .co.u rd k r en 17 SUPPORTING YOU AND YOUR BRAND We provide a range of promotional material to help you to inform your clients and customers about Tenant Referencing and distinguish yourself from your competitors in the market. The following promotional material options are available for Letting Agents: FOR COMPLETE PEACE OF MIND GET YOUR TENANTS REFERENCED HERE! GET YOUR TENANTS FULLY REFERENCED Full Profile 24 - 48 hour turn around We treat every case with due diligence and pride Window cards/posters These will let your customers know that you provide a tenant referencing service. Available in A3 & A4 size “Helping you to secure the best tenants every time.” Window stickers FULL REFERENCES TAKEN AND WRITTEN CONFIRMATION PROVIDED FROM AS LITTLE AS £19.50! (+VAT) Instant online credit check ourselves on our exceptionally low fail rate - ‘Insight’ within 4 working hours enquire inside. Attract your customers attention at a glance and let them know that you provide a range of tenant referencing options in-house. Available in A6 size REFERENCE YOUR TENANT HERE ASK INSIDE FOR MORE INFORMATION Fast and reliable referencing RENTGUARD REFERENCING Tenant referencing website A user-friendly system developed to register and carry out instant credit checks as well as receive completed electronic reports. It also provides up to date in-depth information about tenant referencing, downloads of all necessary forms and step by step online referencing guides. Access at www.rentguardtenanref.co.uk 18 19 FOR ALL YOUR TENANT REFERENCING AND INSURANCE NEEDS rentguardtenantref.co.uk 0844 412 2020 RGA Referencing Ltd | 29-30 Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ Tel: 0844 4122 020 | Web: www.rentguardtenantref.co.uk Rentguard is a trading style of RGA Underwriting Limited, registered in England and Wales under number 4302819 and authorised and regulated by the Financial Conduct Authority Oct 2013 All information is correct at time of print, but may be subject to change.
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