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Housing question

109 replies

Bluebirthdaycard · 22/04/2024 08:25

Hi, I've been on the housing register since last July. I have a 17 and 13 year old and no longer want to be with their dad. This is the reason I have given for requiring a property. I've been put on band c and have now just bid on my 31st property. I'm for the most part always ranked at over 20. Basically I'm losing hope and won't even be considered for a shared ownership, has anyone else been in my position to give me a bit of hope?

OP posts:
Itsallok · 23/04/2024 13:43

FuckTheClubUp · 23/04/2024 13:35

Omg you’ve got to be kidding me? I think this is the worst post I’ve ever seen on the site.

I know that some people have great lives but can you genuinely not understand that not everyone is in a position to save for a mortgage? Are you able to comprehend that? Putting your name on the housing register does not mean you don’t have ‘high aspirations.’

So what should the people do that CANNOT afford to save for a deposit? Do they have low aspirations if they private rent instead of applying for a council/HA property? I know we can all have our own opinions but wow this is next level

Can you not genuinely understand that at 18 - not 30 - 18, assuming that social housing is likely to be needed is not how it should. Unless there is some other reason. Such as disability.

At 18 - literally just an adult - you should not be making the assumption that is your destiny. I am not talking about people needing at 30, with 2 kids, fleeing domestic violence. And I am not saying we don't need social housing, of course we do. But it should be an assumed path in life, barring particular life circumstances.

FFS - and again, if that's the worst post, you either need to get out a lot more or learn to comprehend what is written

FuckTheClubUp · 23/04/2024 14:35

Itsallok · 23/04/2024 13:43

Can you not genuinely understand that at 18 - not 30 - 18, assuming that social housing is likely to be needed is not how it should. Unless there is some other reason. Such as disability.

At 18 - literally just an adult - you should not be making the assumption that is your destiny. I am not talking about people needing at 30, with 2 kids, fleeing domestic violence. And I am not saying we don't need social housing, of course we do. But it should be an assumed path in life, barring particular life circumstances.

FFS - and again, if that's the worst post, you either need to get out a lot more or learn to comprehend what is written

Edited

Maybe it’s you who can’t comprehend what is written. I clearly said, ‘I think this is the worst post I’ve ever seen on the site.’ So why would I need to get out more? Your snide comment makes no sense.

You have absolutely no clue what goes on in people’s lives. None. Maybe people who join the social housing register at 18 do it, not because they believe it’s their destiny but simply because they can. Have you ever thought of that?

When I was 18, I was working full time and giving 80% of my wages to my mum to contribute towards the house. Of course I joined the housing register, why wouldn’t I in that situation? That doesn’t mean that I had low aspirations, I just knew it was very unlikely that I’d be able to afford a property anytime soon.

The poster who joined the register at 18 and only got a property at 33, you don’t know their circumstances either. They could have been able to save enough for a deposit and withdrew their application at age 30. Just because you’ve put your name down doesn’t mean you don’t aspire to anything in life.

If you believe social housing should only be for the disabled or women fleeing domestic abuse then that’s your opinion. Don’t speak about people’s aspirations in life because they haven’t taken the path you’d expect. Enjoy your day

FuckTheClubUp · 23/04/2024 14:51

Tumbleweed101 · 22/04/2024 19:06

My 23yo daughter is on the council list. Not because she doesn't have any aspirations but because a single salary doesn't allow you to buy a house any more. She works hard, she has a full time job and then a second job in the evenings but her wages just don't meet the requirements for a mortgage. She doesn't want to private rent as they are 2/3 of her wage in this area just for a studio or 1 bed and she doesn't want to share, makes more sense for her to live with me with that her only option. There is no financial help from family for her, I'm struggling too. Therefore going on the council list seemed sensible since technically we're classed as overcrowded.

Thank you for sharing this. It is EXTREMELY difficult to get a mortgage and save for a deposit as a single person. So many people have got a mortgage with a partner or have been able to pay a deposit with an inheritance. It’s like they forget that not everyone lives like this. Some people (like me) end up getting kicked out shortly after turning 18 so you don’t feel as if you have a choice.

Well done to your DD for working as hard as she is, it really isn’t easy

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theforeverPm · 23/04/2024 15:00

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VelvetDragonfly · 23/04/2024 16:00

it's all ok there are a great many people with no real earning potential. There's nothing wrong with them medically. They just had the misfortune to be born with average to low intelligence. They're never going to be a manager or a supervisor or have a hugely successful self employed business or any other well paying job. Anyone in the national average wage or lower is going to struggle to rent privately as a single person due to the cost. Living with the threat of constant eviction if LL sells up or increases the rent beyond what you can afford meaning you have to regularly move on, which isn't only stressful from the moving point of view by from the point of securing the next rental, is pretty hellish. Sharing is ok in 20s or maybe 30s if you don't have kids and are single. It's not ok for people to live shitty lives just because they can't earn much. Social housing isn't just for people in bad circumstances, it's for everyone who needs it and that includes people on an average wage who are going to struggle with private rent. If people are eligible to join the housing register it's ok for them to do so. Joining at 18 is sensible if you think you may need it later on. You can join and not bid on anything, if you choose. We need more social housing not to kick people in the teeth because they need it and don't happen to be disabled.

The forever pm that's not the sort of reasons people put, because it's irrelevant. Reasons for joining the register are usually some form of local connection and need. Family in the area, a job in the area, having lived in the area at least 6 months, are connections. Needs include being on a low wage, struggling to afford your rent where you are along with your other costs, struggling to find someone who will rent anything to you, wanting to move from wherever you currently live (with family or partner), being over 35 and wanting a one bedroom property and being unable to afford it, living on benefits because you're a carer or can't find employment or your health only allows you to work part time or being a single parent to young child etc. As well as the variety of higher priority needs of homelessness, threat of homelessness, disabled household members or those who are chronically ill, people fleeing domestic abuse, people fleeing other abuse eg being bullied by neighbors. The more markers you have, the more likely you are to meet the criteria to join the housing register and then the various personal circumstances you have determines what band you're in and how many points you have within that band.

The OP drives and lives semi rural. Many don't drive or can't guarantee they'll always have the money to keep a car on the road. She's possibly bidding on properties in low demand due to their location or poor public transport links. She might be last in the priority for all we know, but if only 20 people bid then she's going to be number 20. If you bid on property nobody else bids on, you're going to get it by default, even if you're not the person in that band with the highest priority because it's not going to be given to someone who didn't bid. Same with bidding on a property that's not been advertised as for your banding. If it's eg band A property and nobody from band A bids, they'll look at the band B bids and give it to one of them. Equally, if it's a band C property with 2 bedrooms and you're only allowed one bedroom (they seem to allow bids on things you'll almost never realistically get, like one extra bedroom) but you're the only band C person who bids on it, it'll be given to you (although you'll then get reduced housing benefit if you're claiming that, because you've got an extra bedroom you don't need, AKA "the bedroom tax").

Bluebirthdaycard · 23/04/2024 16:28

FuckTheClubUp · 23/04/2024 14:35

Maybe it’s you who can’t comprehend what is written. I clearly said, ‘I think this is the worst post I’ve ever seen on the site.’ So why would I need to get out more? Your snide comment makes no sense.

You have absolutely no clue what goes on in people’s lives. None. Maybe people who join the social housing register at 18 do it, not because they believe it’s their destiny but simply because they can. Have you ever thought of that?

When I was 18, I was working full time and giving 80% of my wages to my mum to contribute towards the house. Of course I joined the housing register, why wouldn’t I in that situation? That doesn’t mean that I had low aspirations, I just knew it was very unlikely that I’d be able to afford a property anytime soon.

The poster who joined the register at 18 and only got a property at 33, you don’t know their circumstances either. They could have been able to save enough for a deposit and withdrew their application at age 30. Just because you’ve put your name down doesn’t mean you don’t aspire to anything in life.

If you believe social housing should only be for the disabled or women fleeing domestic abuse then that’s your opinion. Don’t speak about people’s aspirations in life because they haven’t taken the path you’d expect. Enjoy your day

Exactly, I joined the housing list out of desperation, not because I wanted an easy way out. I've been doing some number crunching and with an increase in my hours, I'm still going to struggle to rent privately on my own. Plus if I was to be offered somewhere and after a couple of years, I came into inheritance from my mum's passing, I will be giving it up, not staying there because it would be the right thing to do.

OP posts:
VelvetDragonfly · 23/04/2024 17:22

OP go crunch some more numbers.

Check out the cost of 2bed and 3bed rentals in your area and work out the difference between the two. Find out the council tax for an average 2bed and 3bed, remove the 25% discount you'd get as a sole adult occupant. Take the difference in rent and council tax, throw in a bit for utilities/TV/internet (if you're going to have those last two, otherwise it's on them and if they want it they'll have to pay for it), add it all up and find out if your 17yr old would rather share with you and sibling for approx "X" amount plus buying their own food/clothes/toiletries, or rent in a house share/HMO with friends/randoms. Depending on their personality which is going to seem best. For all you know they could be planning on moving in with their partner soon anyway. Or perhaps they'd rather stay with dad and just keep out of his way when grumpy, if dad isn't going to charge rent etc? Nothing is ideal but as an almost adult it's reasonable to consider their opinion and not assume they want to move with you and sibling. Once 18 their life and decisions are their own, whether you agree with them or not.

Once you know what you're looking for that'll help with working out what you can/can't do on your salary. You could look at renting a one bedroom flat if it's just going to be two of you. Either using living room as a bedroom or sharing like you do now with your ex.

I wouldn't not do it just because it'll be a struggle, the freedom from getting out of a relationship you don't want to be in will count for a lot. Truth is, an awful lot of people struggle and live paycheck to paycheck with nothing spare to save. You won't be alone in that.

urbanbuddha · 25/04/2024 06:52

If the rent seems unaffordable I’m guessing you’d be eligible for universal credit.

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