Homeless because of bad credit?

[pinnjnnn]

I can't find anywhere that will rent me a house as I have bad credit and fail the credit checks
I work but my credit history is bad.
Nobody I know owns property so can't be a guarantor
What am I meant to do?
I'm gonna have no where to live
Can these letting agents do this?

You are quite rightly getting a hard time because you are looking for the easy option. I want this and I want it now! Pay off your debts, sort your credit rating and get some saving before you have a child you expect everyone else to pay for.

Welcome finance, credit card and catalogue debt? So even when you were making financial decisions they weren’t very good ones.
Stay at home and be a responsible adult for at least a year, pay off those debts, gets some savings behind you, and then start looking at houses

How are you planning to furnish your house? Even if you go furnished my first new home shop was over £300 just buying kitchen essentials and all the cupboard things you have hanging around. What about if due to your bad credit you end up on a prepay meter? When I had one it was costing £15 a week just for me just for gas and I only had it a month so what If they make you take the expensive prepay options for everything. You need savings and a safety net.

I don't exactly want a baby tomorrow but I want a child in the near future (1-2 years ) if I'm lucky enough but 5 years is upsetting to think of waiting that long.
I'm a nice person and I know I will make a good mum (yes my finances In the past aren't great,but I don't think being a decent mum depends on that,I was younger then when I got credit cards etc and I didn't just say oh I'm not paying ,I lost my job I couldn't pay it all")

Yup, as I say we aren't too far form you at all then - between DP and I we owe out quite a lot and we have a 2 year old - it's bloody hard work, however, nothing is defaulted and all are being paid down and not added to.

Could you ask your parents if you could reduce by £50 a month? to pay towards the debt? What do you do for a living?

CCJ's are a whole new level of debt.

Ok you had bad, credit rating to get car finance 'years ago'. Your poor management of money pre dates you been made redundant. But you don't want to admit that.

You got a car loan instead of saving and getting a banger.

There will be communal fees attached to that flat. £100 Will not be your share of all other bills. What about Wi-Fi for a start? Contents insurance.

You are being ridiculous in your calculations. The utilities alone on an e rated flat will be quite big. I know, I worked in that industry for 20 years.

You are a huge risk and have had money problems despite living at your parents. What even were the debts for?

Then again, how will you furnish this flat? How will you save so you have enough money for mat leave? And are able to clear the debts at the same time?

Costs of childcare when you return to work? Or the loss of a wage of you don't?

I'm a civil servant.

I cant get past you wanting a 2 bed flat to be honest. Why do you think you're entitled to skip past living in a flat share, a studio, a 1 bed?

But you're in a position to pay off a lot of your debt by living at home.

The house you posted looks unfurnished so you'd need to buy your essential furniture obviously.

Then for baby, before they're even here, you're going to need: pram, car seat, cot, mattress, lots of clothes in different sizes, a change bag, wardrobe/drawers to store clothes.

And that's just the minimum without bottles (incase you breastfeed), formula, nappies, Moses basket (if you wish to have one), baby monitor, steriliser etc.

It's a lot more expensive than I realised when I first got pregnant and I was in a comfortable financial situation (comfortable in my case meaning paying bills with spare income)

You have money problem because your attitude is 'I want so I will have' but it's finally caught up with you.

OP, get on the HA/council housing list, ASAP. Teesside doesn't have a massive waiting list.

Although, you do need to bear in mind the cost of decorating/moving fees/furniture. The council will give you a voucher for wilkos or B and Q towards the cost and you can request to exchange all or some of this for flooring instead.

Facebook Market Place, Gumtree and Freecycle is great for furniture if you don't mind mismatched.

Oh and also you must have been outbid work a long time. Ccjs don't happen over night.

What if that happens again, with no savings?

Also, something I didn't consider and did really struggle with when I returned to work was childcare costs. For full time childcare you're looking £1000+ and that's average!

My wages ended up paying childcare and my travel to work though DP was having to lend me money to help me out with travel costs! When DP had a pay rise I gave up working as we actually worked out being better off!

OP I totally understand your want to become a Mum...I was there. But being a responsible parent is something you start doing before you even have the children. You need to TRY YOUR BEST to provide a stable, warm, debt free home do that they can have the best start...SURELY that’s what you want?? The best start for your future children?? Think about it please!!!

You called Andromeida59 a moron.
Oh that’s laughable. That person isn’t the one with the ridiculous AIBU.

OP: AIBU
Replies: Yep
OP: But you are all wrong
Replies: We are trying to explain
OP: But you’re all wrong

It’s tiresome. You won’t get far OP because not only do you make mistakes and don’t face them, you have an entitled view of the world. Parenting includes being a good role model for your children.
You are ignorant and to be honest, you are behaving quite stupid.

There is a collective amount of knowledge and experience advising you here and you have taken nothing on board.

Just bear in mind that those advising you may have had their struggles but now have the things you want through hard work and PATIENCE. If I was you, I would be a little more careful who you call a moron.
Hint: It doesn’t make them look silly.

And to all those advising house share, Teesside isn't exactly teeming with those and the few HMOs/houseshares we do have are short-term lets for contract workers.

@frequency was just about to say similar, I know of one which is 'out of town' and bloody expensive! actually more a month than the house OP posted above!

Since you are all here.
Can someone explain how does one get CCJs? I always thpught they were give ONLY when debtor refuses to communicate or pay even a £1 a month.

If I'm paying rent surely I get to decide where I want to live.
A flat share at 30 isn't what I want.

A ccj gets given when a creditor won't accept my offer of payment so takes me to court in the hopes to get more money out of me than I can afford

Do you know your total amount owed out? at £450 a month (CCJ plus car) when will you be debt free?

In my partners case, it was given because he completely ignored the warnings and basically put his head in the sand. He didn't even try to sort a repayment plan, all for the sake of £360! Nearly 6 years and a lot of tears and stress later (mostly from me) and lesson well and truly learned!

No you don't get to decide, the landlord gets to decide and as you are finding they won't touch you with a bargepole!

OP you sound fucking childish.
CCJ would imply to someone you couldn’t pay rent.
It’s not rocket science, and housing authority could be a bad bet, with no children You’ll be on the bottom of a list and if you present yourself as homeless you will get offered emergency accommodation which is NOT a steppingstone to a council house and if you refuse their first option (and often they are fucking dire) they wash their hands of you.

Rent a room and get a decent landlord reference like everyone else. You aren’t magically above it because you’re in your 30s

If I'm paying rent surely I get to decide where I want to live.
A flat share at 30 isn't what I want.

You have to be a troll. This can not be real.