TENANT REFERENCING FOR LANDLORDS & LETTING

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.
We
not located
Rentguard
| Miners
Park,
Kent
| Tel:
0844
412 2020
Ask
to
seeReferencing
originaland
photographic
identification
and
retain
aCT3
copy.
A
photo
driving
licence
or passport
is have
preferred.
Ask to any
see CCJ
an
A1
1| capable
14LQ
0 ofBusiness
1Canterbury,
required
tenancy
of proof
meeting
monthly
rent
payments
up
to
the
limit
Rentguard
Referencing
Miners Way,
Lakesview
Business Park,
Canterbury,
Kent
CT3
4LQ
|credit
Tel: 0844
412shown.
2020
Risk
Level:
Recommendation
Records
inisValue:
the
name
of Moderate
this
applicant.
No bankruptcy
insolvency
records
been
located forAll
this
applicant.
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.
Rentguard Referencing | Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020
Information
ofAccount
applicant’s
details
of the
let
This report
is provided
in accordance
with our terms
and conditions
availableand
at www.rentguardtenantref.co.uk/terms.
All be
personal
data is Payments:
processed and stored
Further
recommendations:
Sort
Code:
309766
Number:
27864468
Direct
Debitproperty
Capable: Yesto
Faster
Yes in
Moderate
Risk
Level:
matches
As
part
of thethe
credit
check
weAct
have
for
existing
credit
accounts
match
theitname
andthan
date
of birth for
shown.
Positive
accordance
Data
Protection
andsearched
ourof
Privacy
Policy.
Please
keep
this
report
safethat
do
notdriving
keep
for
longer
is necessary
its intended
Ask
toGuarantee
seewith
original
photographic
proof
identification
and
retain
a copy.
Aand
photo
licence
or passport
is preferred.
Askpurpose.
to see an
Rent
Insurance
confirm that the applicant's date of birth is correct. A summary of this information is shown below.
original
bank statement
payslip
double
on the
employment
reference.
This applicant
is suitableorfor
coverto
under
ourverify
rangethe
of information
Rent & Legalsupplied
Protection
policies.
For further
information or to obtain cover
Bank
Account
This
section
summarises
applicant’s
credit
check
information
please
visit
www.rentguard.co.uk
orAccounts
callBusiness
0800
783
Rentguard
Referencing
Miners Way,
Lakesview
Park,1626.
Canterbury,
Kent CT3 Updated
4LQ | Tel: 0844 412 2020
Further
recommendations:
Address
Open|Accounts
Closed
Credit Bureau Searched: Equifax
Current
Lenders Recently
Rentguard
Referencing
| accordance
Miners Way,
Lakesview
Business
Park, Canterbury,
Kent
CT3 4LQ | Tel: 0844 412 2020
This
report
provided in
with
our0terms
and conditions
available
at
www.rentguardtenantref.co.uk/terms.
All
dataisispreferred.
processed and
stored
in an
A1
1
1
1have
toChelmsford
see
Ask
to
seeisaccount
original
photographic
proof
of identification
and
retain
a copy.
A
photo
licence
orpersonal
passport
Ask
The
bank
details
provided
byterms
this
applicant
been
The
bankdriving
account
is held
with
LLOYDS
TSB BANK
Rent
Guarantee
Insurance
This report
iswith
provided
in accordance
withand
our
and Policy.
conditions
available
atvalidated.
www.rentguardtenantref.co.uk/terms.
personal
data is for
processed
andPLC,
stored
in
accordance
the Data
Protection
Act
our
Privacy
Please
keep this
report
safe andon
dothe
not keep
it for longerAll
than
is necessary
its intended
purpose.
original
bank
statement
orfor
payslip
to
double
verify
supplied
employment
reference.
Legg
St
Osc,
Legg
Street,
Chelmsford,
This
applicant
isapplicant's
suitable
cover
under
our1JS.
rangethe
of information
Rent
Legal
Protection
Forlonger
further
obtain
cover
accordance
with1 the
Data
Protection
Act and
our CM1
Privacy
Policy.
Please
keep&this
report
safe anddetails
do policies.
not keep it for
thaninformation
is necessary foror
its to
intended
purpose.
Gives
employment
and
income
please visit www.rentguard.co.uk or call 0800 783 1626.
Rentguard
Referencing
|
Miners
Way,
Lakesview
Business
Park,
Canterbury,
Kent
CT3
4LQ
|
Tel:
0844
412
2020
Rent
Guarantee
Insurance Account Number: 27864468
Sort
Code:
309766
Direct Debit Capable: Yes
Faster Payments: Yes
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
Showsis suitable
applicant's
current
residential
This applicant
for cover under
our range
of Rent & Legal status
Protection policies. 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.
All personal data is processed and stored in
Legg
St Osc,
1the
Legg
Chelmsford,
CM1
This report
iswith
provided
inStreet,
accordance
withand
ourour
terms
and1JS.
conditions
available
at www.rentguardtenantref.co.uk/terms.
personal
data is for
processed
and stored
in
accordance
Data
Protection
Act
Privacy
Policy.
Please
keep this
report safe and do not keep it for longerAllthan
is necessary
its intended
purpose.
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.
Rentguard Referencing | Miners Way, Lakesview Business Park, Canterbury, Kent CT3 4LQ | Tel: 0844 412 2020
This report
is provided
in accordanceAccount
with our terms
and conditions
available at www.rentguardtenantref.co.uk/terms.
data is Payments:
processed and stored
Sort
Code:
309766
Number:
27864468
Direct Debit Capable: Yes All personalFaster
Yes 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.
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.