To all of you Landlord on here can I ask a genuine question? Would you reject me on the following:
I'm disabled (34) with a 3yr old child. My income from long term Disability Benefits (inc High Rate PIP) is just over £25k and is awarded for 5 year periods.
I have been privately renting for 16 years with perfect references from previous & current Letting Agents (well known & highly regarded in the area). Never missed a payment or been late on a payment in 16 years and never once had a single complaint.
However, my credit rating was destroyed by my daughter's father who hid debts he put in my name which led to 4 CCJs as I moved house - totally unaware of any debts & subsequent County Court Hearings! (These total around £5k and I'm currently battling to have them sorted).
I only have my mother as a Guarantor who owns her home outright, however she is a Pensioner with nowhere near the income required these days by Agents for Guarantors (30x Rent).
I paid 6 months upfront for this house but was still only accepted as I was with my Daughter's Father who worked full time.
I have since been told that despite all the above AND offering 6 months rent in advance, that I'm unlikely to be accepted for anywhere as I'm not working!
I can't work, I have MS, Hypermobility Syndrome & Fibro. It's just not possible, despite my multiple attempts at doing so!
I desperately need a bungalow as I can't get up my stairs! Yet the last one I applied for said "Sorry, the Landlord doesn't want disabled people in his property, he wants working tenants!
I'm never going to find anywhere am I?
The Council have said that I can join the list by all means, but because I specifically need ground floor accommodation, that it is likely to be at least 12 years! As even people no can take a flat on any floor, a house or bungalow are still waiting 4/5 years. Even those in Emergency Accommodation and Refuges are waiting a minimum of 3 years :(
Maybe I should start my own thread? Just thought I'd ask as there seems to be many private Landlords on here!
Thanks :)