DHP’s and Guarantors

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    I seem to have had a run of claims from private tenants who have guarantors named on their tenancies. When asked why they can’t help with any shortfall I am told that they only agreed to be named in order to help people secure the property and have no intention of helping with the rent.

    Have other people noticed this and how has it affected your decisions?


    I refuse DHP’s if there are guarantors. A guarantor is legally liable to pay the rent if the tenant doesn’t.

    If it went to court the judge would give an order that the guarantor would have to cough up.


    I think that’s a blanket policy, and therefore unreasonable.

    DHPs should be decided on a case-by-case basis, with “have we got enough money?” varying from case to case according to the time of year.

    Why is there a guarantor? Does the landlord routinely ask for one, or does it mean the claimant knowingly took on a property where she couldn’t afford the rent? Why can’t she afford it? Had she got reason to think she could? Or is there something special about the household?

    To my mind DHPs are appropriate where there’s something unusual about the household or its circs that the DWP couldn’t have allowed for when it designed the HB scheme.

    Andy Thurman

    [quote:894d71db0f]I refuse DHP’s if there are guarantors[/quote:894d71db0f]

    Sorry Martin, but I have to disagree. 👿

    I would maybe question the guarantor’s position, but be more than ready to disregard their presence for a DHP.

    I say this as someone who was (somewhat reluctantly!) a guarantor for my then unemployed brother who needed somewhere to live. No L/L’s in the area would take claimants without a guarantor. I agreed on the understanding that he would make absolutely sure the rent was paid. If he’d dropped me in it, I would have struggled to pay it on top of my mortgage & feeding my family.

    Initially, it was going to be our mother who was guarantor but she wasn’t working (retired) so no earnings to attach to if it went that far.

    Guarantors are not, in most cases, going to be able to offer any financial help – they are simply taking a financial risk to secure accommodation for those they care for.

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