WIBU to use rent money

[DoorMat1010]

Suddenly my car needs a lot of work. It's used on a daily basis and I can't get round it, I need it for work.

There's around £450 worth of repairs to be done to the car and rent is £500.

Obviously I'll speak to the agency first but for the last 3 years I've paid rent on time or even a week earlier.

I can pay the overdue off over the next 10 months at £50 a month.

Feel like I'm up shits creek without a paddle.

WIBU to do it?

No, rent isn't optional.

You'll need to get an overdraft or credit card or loan for your car.

martin lewis from themoney website says, Never omit to pay rent/mortgage.
can you get a loan?

No. Rent is a priority commitment.

Yes YWBU you need to find another way

Your LL isn't a loan company and may have bills of their own that they will struggle to meet if you don't pay your rent. It's very unwise not to pay your rent on time and risk the roof over your head. Look at other ways of raising the money for the car repairs.

Rent above all else - it is very easy to throw you out of your home if you are renting and letting agents are quick to get rid of bad tenants (which you would be classed as by not paying).

Speak to the bank - £450 isn't that much and they should be able to help.

Rent is absolutely the top priority.

You really can't do this.

Pay the rent.
Most Landlords usually only have one rental property. Not paying your rent can have a huge impact.

I'm still in my overdraft, my cc is nearly maxed out.

I have no one to ask and I feel like I'm sinking. No way of paying it any other way.

Honestly feel sick with worry. It's keeping me up at night.

You can't do this, you have to pay your rent.

Can you borrow off family? Extend your overdraft? Personal loan from the bank? Salary advance?

Your landlord would be perfectly entitled to give you notice for not paying your rent.

Can't you ask the garage about a payment plan?.our local one does it.

From a landlords perspective if you'd been a good reliable tenant for 3 years then if you spoke to me in advance and gave me that proposal I would have on issue with it.

What causes problems is when tenants don't pay the rent and refuse to communicate, just crates bad feeling all round!

And you can't be evicted until you're 3 months in arrears, all that could happen is they don't renew your tenancy at renewal

No issue not on issue!!!

Agree with others. You need to pay rent as priority no 1.

But saying that, if you know landlord well and are comfortable asking ask. They can only say no.

can you increase your credit card?
sell stuff on ebay?

I can pay the overdue off over the next 10 months at £50 a month.

If you said you could pay the full rent a week later, then I'd say speak to your LL in case they might agree as a one-off.

But a 10 month loan? Very unreasonable.

Look at your other outgoings long before you look at rent.

I hope you realise I'm not going to just do it!

I'll speak to them first.

The agency opens at 8:30am.

And if they say no I'll speak to the garage Monday, about a payment plan. They know me, I've been in before and I literally live 1 minute walk from them. Or today if they are open.

Top it off MIL is coming today so already stressed out.

can MIL help you financially?

Can you speak to your landlord directly? I have a flat I rent out. If I'd had a good tenant who had been in the place for a couple of years and it had looked good on every inspection etc I'd let you, but id want to see the money back faster than 50 a month (100 would be my minimum). It would ring warning bells though.... Can you borrow the money off family?

Can you get public transport to work? Cycle? It strikes me that a lot of people see a car as a necessity when they are expensive and if you are struggling with the costs of paying for it can you do without? I have car now and love having it but if I had to save money it would be one of the things to go.

Rent and council tax are the two bills you buy before you buy food! Thats how important they are. Paying for car repairs are below food, electricity, water. Go to your bank and get a loan or wait until you can afford the bill. Dont use rent money and dont ask your ll as he might give you notice if he fears you cant pay. Hope you get it sorted. Its not nice, ive been there as have alot of people.

Don't listen to the people saying you shouldn't propose this. Of course it's fine to propose it. You might want to talk to shelter first - they have a helpline offering legal advice on housing issues (google it). I would have thought that you should go in with a plan showing when you will be able to pay - eg evidence of what is in your bank account and when you get paid, how much your normal outgoings are (again evidenced by bank statements). They are far more likely to accede if they can see that you will be in funds on a certain date and that it won't be a case of you just getting a month behind.

Also, have you tried ringing round garages asking for quotes. They might try to beat their competitors' offers.

Why would you even think of this as an option, if your paying an agency that means, you living in a rented property is paying someone's mortgage, do you think it's fair to them that they go without? They also may have important bills to pay. YABU and selfish.