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AIBU?

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Original poster

To think I'm a bit in trouble

77 replies

oregon1985 · 17/01/2017 15:14

I'll try and keep it very short. Just ended a long relationship. Just moved to a new town with him, new job etc. I'm Staying with someone I know in the town at the moment but I can only stay for a week.
I have friends in my home town I can stay with for a while but obviously not forever, but no job there. I have a lot of debt that I'm already on payment plans for. So my credit is bad so I won't be able to rent. I have no family or friends willing to be guarantor. I don't know what to do, my money will run out soon. I'm royally screwed aren't I?

OP posts:
Original poster
oregon1985 · 17/01/2017 16:33

Ok sorry a lot of people posted at once.
I don't want to stay in this town, I already feel shit about losing my relationship and don't really fancy feeling lonely as well.
I also do not want to share with ex, it was amicable but still awkward.
I have every intention of finding a new job in my hometown.
I don't have ccjs but I missed a few payments when I was out of a job last year which is why I'm on reduced payments.
I quit my job here because I can't stay in this town because I have nowhere to live. I have a guaranteed place to live for a bit in my home town so I went with that option

OP posts:
Original poster
oregon1985 · 17/01/2017 16:35

So it's usually agencies that check credit? I will try gum tree and houseshares thank you I didn't think of that!

OP posts:
MagicChicken · 17/01/2017 16:36

You don't have any family AT ALL? Confused

I am always a bit reused by people who say this. Look, you've been together six years. If you aren't fleeing for your own safety then why can't you just stick around and be civil to one another for a few more weeks until you can find alternative accommodation? And why on earth did you give up your job so soon? It all sounds a bit dramatic and chaotic. Confused

Why has he gone to his parents? Surely he still needs to be nearby for hisjob? But given that he has gone to his parents, why can't you stay where you are for a bit longer?

EvieSparkles0x · 17/01/2017 16:36

And yes to what ScoopyDoo said, if it's a just a room with all bill included etc they won't usually ask for a credit check :)

Aside from living with family and assuming you have no children you might find this is the best option for you while you are single, as it would be cheaper, you wouldn't have to worry about extra bills on top of your debts as it's all included in the rent, and can focus on your repayments with hopefully less stress than renting a place.

I believe if you are single and childless you can also claim housing benefit on rooms in shared houses, but not properties (I think?!) It may vary from council to council but pretty sure that's the policy where I am. Maybe that would be a good option?

MagicChicken · 17/01/2017 16:37

bemused not reused.

Original poster
oregon1985 · 17/01/2017 16:37

No. I was in foster care from a young age and I don't know of any family I have.

OP posts:
EvieSparkles0x · 17/01/2017 16:38

Even if it's in your home town instead of your new town and don't want to live with family. You can find lots of rooms without agencies on Spare Room.com

BarbarianMum · 17/01/2017 16:39

It might have been better to keep your job until you found another one in your hometown - and used your wages to rent a room. Then you wouldn't be homeless and unemployed at the same time. But as you are, you need to move to your hometown, find a job asap then look to rent a room somewhere whilst you save for deposit for rental.

ShesAStar · 17/01/2017 16:39

I think move back to your home town, stay with a friend until you can find a room to rent, lots of people do this in the town I live in. EuroLet do rooms for rent but I don't know if they operate in your town.

harderandharder2breathe · 17/01/2017 16:39

A room in a houseshare sounds a good way forward, cheaper than renting alone and usually no credit checks required

A few missed payment isn't the end of the world re credit history.

KissingAFool · 17/01/2017 16:40

OP the last thing you should be doing right now, is jacking in a job! Keep the job. Get a houseshare. Save up. Go back. That's the only way I think.

Original poster
oregon1985 · 17/01/2017 16:40

Really? They wouldn't let me have a phone contract last year so I just assumed renting a flat was the same
Thing

OP posts:
Original poster
oregon1985 · 17/01/2017 16:43

I do not want to stay in this town. At all.
Thank you for everyone's advice about the room shares and stuff it's been really helpful. I'm going to go look up stuff about that now. Thank you

OP posts:
twinklefoot · 17/01/2017 16:46

You could rent a room in YWCA. I did this as a student and it was full of different people and then I did some temping and moved in with some friends I met at work. I think they will let you pay a small amount to move in.

EvieSparkles0x · 17/01/2017 16:46

oregon unfortunately you are probably right about not being able to rent a flat or something, at least through an agency. While I was pregnant we were looking for a private landlord for a new place because we wanted to save the few hundred extra pounds agencies charged, and she still did a credit check (they just don't charge as much).

Also, missed payments aren't the only factor involved, they will consider your earnings/affordabilty, and depending where you are in the UK (I live in the South East and renting is frankly a nightmare) they may turn you down based on this. We have a single male friend with a good job who was turned down as they basically say you need to be in a couple to afford it round here, the same was said to my sister when she split with her partner.

How long term is the accommodation you are being offered to stay at in your home town? And make sure you ask that you can give that address as where you are living, because you do not what to put yourself in the position of having no fixed abode for employment/benefit purposes.

TheNiffler · 17/01/2017 16:48

MagicChicken I don't have any family at all, I'm lucky that I get on really well with my technically XH (I usually refer to him on here as DH because he pretty much supports me and we are good friends = less muddly). Apart fro. My children I have no 'blood' family - my parents/sister 100% do not count, I am NC and and I will never be otherwise.

EvieSparkles0x · 17/01/2017 16:48

Sorry cross post, good luck! :)

MagicChicken · 17/01/2017 16:49

What about the YMCA? Giving up your job was a bit dumb. You say you 'just' moved to a new town, so how long have you actually had this job and did you give up a job to follow your partner to this new town?

Original poster
oregon1985 · 17/01/2017 16:51

I have been here a week, been at the job for a week. Yes I gave up my old job to move here. I really don't want to go into more detail about what got me here because it's all in the post and why I did that or why we broke up is basically irrelevant to the original question I was asking for advice for.

OP posts:
Lumberries · 17/01/2017 16:53

Gosh, you moved to a new town, changed your entire life and then split up after A WEEK??

How long were you together before that?

KayTee87 · 17/01/2017 16:53

Op could you ask for your old job back?

Original poster
oregon1985 · 17/01/2017 16:54

6 years.
It's complicated. I really don't want to share about that sorry. The details of why we broke up is irrelevant really.

OP posts:
twinklefoot · 17/01/2017 16:54

Blimey give the OP a break!!Confused

Original poster
oregon1985 · 17/01/2017 16:55

kaytee87 I tried they have no openings anymore. my job got filled quickly

OP posts:
hungryhippo90 · 17/01/2017 16:56

Is there anyone you know from where you worked?
This is how I ended up with my current place. I was being made homeless because of my ex, my ex met my now landlord, mentioned a need for the house.
Just for context, my credits gone up the wall, and ex is currently bankrupt. LL didn't do one check.
TBH he knows my first name and my last name, and that I live in the house that he's recently bought as a BTL.
incredibly naive of him, but I intend on staying here and looking after the place.

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