To ask DF to lend me 5.5k??

[GetInMyNelly]

Need to move soon. Living in private rented property but would like to move to a house.

Mother to 1 and living in a flat.

Due to benefits I have been advised my best option is to offer the first 6 months up front. So I'd need 5.5k including deposit.

To save this up would take me absolute years!

I can give 2.5k back within 2 weeks and then pay £600 a month for 5 months.

WIBU to ask DF for this??

I would stay put and if forced to move ask your dad to lend you the cash, any new tenancy surely would leave you in a similar position where a ll could sell up?
Also pay the current debt off and if forced to move, he'll have sympathy for you.

You can't afford to do voluntary work you can't complain about having no money to move or that LLs won't take you on when it's an active choice to not get paid work.

I think that Matilda's wording above ^^ is good.

I think your best bet might be to not mention the HB and push the fact that your df is standing guarantor? Surely that's enough security for a landlord? Looking for a private landlord (no agency) would stand in your favour although check them out, some are bent, e.g. subletting council properties and not declaring.
It's an almost impossible situation when you're entitled to help with your rent but no bastard will rent to you.

It's a bit sanctimonious for posters to say you need to "learn" how to be self sufficient. Just knowing how to be self sufficient doesn't magic away the fact that you're struggling to support yourself and a child with limited options. You have a child so childcare is likely to eat up any minimum wage salary. It's a difficult trap to get out of.

CAB can help negotiate the mine field that is renting when in receipt of HB. It's worth putting your names down on the council housing list even if that means several years wait.

I hope things improve.

Most job centres heavily promote voluntary work as a means to obtain skills and experience with the focus on getting a paid job.

Personally I wouldn't ask my DF for money, I have always tried to be completely independent. I would hate the thought of not being able to pay it back if something went wrong. Plus he might think he could have more input in my life due to the loan.

Well I suppose your other option is to wait til your LL announces he wants to sell, get evicted and get placed in a homeless hostel for 2 years because you can't possibly find a rental property without a large deposit and you shouldn't ask your dad for a loan because you need to be self sufficient

You'll eventually be awarded a council property. I wouldn't advise this route as homeless hostels are full of alcoholics, drug addicts and awash with mental health disorders. It's no place for a child.

I don't choose to do voluntary work, I do it to better my skills whilst I look for a part time job. I am actively looking for work but didn't want to let my skills be made redundant in the mean time.

Nope, nothing to do with sanctions. Just haven't been in the area long enough yet. They said they'd send me back to the council I was in before but that council won't touch me for 12 months.

What happens if after the first six months the LL wants the next 6 month's rent up front?

I've lived in hostels as a teen, they were absolutely horrendous.

I'm trying to be "self sufficient" and find something else BEFORE I'm forced to & then land in somewhere unsafe with a baby (only to be told, why did you let it get so bad before asking for help).

What happens if after the first six months the LL wants the next 6 month's rent up front?

I'm absolutely fucked then.

This is a pretty shitty situation

Oh op. I was pretty much in this situation a while ago, my dp was the only one working and he doesn't have a good credit score. It's so so stressful and horrible living somewhere you hate. I honestly feel for you so much, I don't think anyone can properly understand
The best advice I can give is to go into a low paid job, universal credit will help cover up to 80% of your childcare costs. Then you can move into a place with your dad as a guarantor, they still allow you to move in if you're earning under the amount they want (I think it's usually 3x the rent). It's definitely easier if you have a job - even a shit one.
I wish you the absolute best and hope you get it sorted. It really is shit.

How old is your child?

I struggled to find somewhere to rent even with a job due to being a single mum on a low income. LLs hate single mum's! I did find somewhere cheap though. It's quite a rough area but people in my situation can't be choosy, we needed a roof over our heads! We've settled well here and haven't personally had any trouble.

That low paid part time care job lead to a full time deputy manager job in a care home I love. Isn't well paid but we have what we need and I'm so lucky because I love working in care! I'm due to be promoted agin soon.

I'm not dismissing how hard it is and full time nursery is so expensive! But I really would advise paid work even a few hours a week. My son usrd to get 15 hours free (term time, can have 12 hours stretched).
Good luck.

Don't panic Nelly and lose hope. It might be that you have to find a cheaper rental that doesn't require 6 months upfront. You have a little time on your hands. Is it possible to speak to your current LL to find out more r.e him selling up and see where you stand?

It's awful feeling so insecure about a home, and worrying about it on your own. Just talk to your dad and consider all options.

I'm sure you'll feel better just speaking to your dad even if he can't loan you such a large amount. It sounds as though he wants to help.

I would advise against it. Taking a step back, if you pay 6 months up front and get a shitty LL, what leverage will you have? What will happen if your LL refuses to repair the house? You won't be able to get quotes and deduct repairs from the next month's rent.