Ugh... I am so frustrated with all the red tape and bureaucracy that I have to go through to get anything done here. Today I went to accept a deal for an apartment and then they told me that I owed them 118 quid for them to process my U.K. credit check.
I said, "well, I don't have any U.K. credit. I just arrived."
They (meaning the property management agency I'm dealing with) said, "Oh, well in that case you have to pay your entire rent up front or get a Guarantor (co-signer)"
I said, "Why can't you just check my U.S. credit?"
They said, "We don't do that."
I said, "Well why don't I go ahead and pay your processing fee and I'll tell you how you can check my credit in the States for about 30 quid."
They said, "Sir, we don't check U.S. credit."
I gave in and said, "Ok my boss will be my guarantor. Just give me the Guarantor forms and I'll bring them back tomorrow."
They said, "We can't give you those forms until you fill out the credit check forms."
I said, "But I don't have any U.K. credit. I just arrived."
They said, "I'm sorry, but you have to pay us the 118 quid and we have to process the form anyway."
I said, "But in a worst case scenario where I had the worst credit of anyone in all of the history of the U.K. it wouldn't matter because you are requiring me to have a Guarantor anyway."
They said, "I'm sorry, we have to process your credit report before we can continue with the process."
I said, "May I contact the landlord directly to work this out with him/her?"
They said, "I'm sorry that's privileged information."
I said, "ok, I'll tell you what. I'm going to go home and fill all this out and I'll talk to you tomorrow."
(I'm not going to fight this because I just want the stupid apartment and start my life already, but sheeez!!!)