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HOUSING problem

2 replies

Boogbuster · 04/01/2020 17:13

greetings fellow mumsnetersI have a housing problem that am hoping to get some advice on as so far i keep coming up blank in terms of finding a solution
right so here goes - partner and i have split and i along with DS (18) and DS2 (8) need to move out of the family home as it's rented from MIL and her DP partner who I've fallen out with.

Ive lived here for about 3 years but have no formal lease and because of the family break down there's very little chance i'll get a favourable landlord reference from them.

thankfully things are amicable between DP and i so i'm not in any danger but things are strained and not nice living under these circumstances (plus i'm sleeping on a mattress in kids room which aint great)

what makes my situation even worse is that i'm drowning in debt, have no savings i can use for a deposit (even if a landlord/agent agrees to rent to me with my abysmal credit rating) and am low down on the priority list for a council property. My family lives overseas so no help from there and don't have any close friends that would act as guarantor (not that id ever even think of putting one in that position)

does anyone have any ideas for finding a place of my own (for what it's worth i've looked at shelter scotland for advice but not found anything that helps in my particular situation)
thanking you kindly for reading

OP posts:
ElluesPichulobu · 05/01/2020 00:32

are things with exDP amicable enough that he might lend you thre deposit you need and help you get set up to live independently? obviously this will be in the best interests of the kids as the current set up is confusing and stressful for them so helping to regularise things is part of being a good dad, within reason.

obviously you will need to work, and DS18 will also need to contribute to household finances as far as possible if he continues living with you. don't set your sights too high for standard of living, it's going to be tough for a bit.

Boogbuster · 05/01/2020 17:33

Things are amicable for now but not sure how things will pan out when the move happens and we need to work out visitation ect but he doesn't have money to spare either so no point asking him

I work part time and son does contribute so based on my calculations we should be able to manage (just)

The main prob is getting the deposit together and convincing a landlord that despite my mountain of consumer debt my rent and utilities are always paid on time

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