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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Homeless because of bad credit?

434 replies

pinnjnnn · 12/12/2018 17:02

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?

OP posts:
fridgepants · 13/12/2018 14:03

This reply has been withdrawn

This has been withdrawn by MNHQ at the user's request.

SweetSummerchild · 13/12/2018 14:03

This is like watching one of those slow motion car crashes - the ending is predictable and inevitable but there’s absolutely nothing anyone can do to stop it.

I’m out of this one.

fridgepants · 13/12/2018 14:04

This reply has been withdrawn

This has been withdrawn by MNHQ at the user's request.

TheDarkPassenger · 13/12/2018 14:05

I haven’t read the full thread as I was filling with absolute rage at the way people are speaking to you OP. I’ve been in your position, except I already had a child, I just didn’t have enough money after leaving my ex and losing my house and my job in the process. I had nothing and nothing to pay bills with. I also had a mental disorder which got horrendously bad. People are being so so cruel on here.
Get on the council list! You’re near me by the looks of it so you should be housed within 6 months to year but don’t give up on the private rent, especially in your area it should be no problem. I rented each time when I had horrific credit, absolutely horrific credit but never had a problem finding a house. I’ve never ever once not paid my rent, it’s alwyas came first as there was a real person at the end of it, not the same as my bills.
Keep checking online, on Facebook, contact your town hall and they will give you a list of private landlords, get on the council register (you won’t be high but it’s still getting your foot on there)

And continue paying those CCJs. I tried to kill myself last time a bailiff turned up at my house, please don’t fall as bad as I did, please, it’s not worth it.

fruitbrewhaha · 13/12/2018 14:05

OP you did run up debt. This is the exact definition.

You have made some terrible financial decisions. Taking on debt when you live at home with no dependants was a terrible idea. You need to live more within your means. Of course you didn't intend to default but you had loans, no savings and presumably live month to month, with no safety net.

Your car loan is outrageously expensive. It's clearly unfair that when you don't have much money everything is even more expensive. But you really could have bought a cheaper car.

You need to pay off these debt, take on a second job, especially the car loan. It will reduce the amount of interest you pay.

Why are even thinking about having a baby with a man you think could leave you high and dry?

FlashByReputation · 13/12/2018 14:05

What do you not understand? HA will house you but you will not have a choice where or what you will get. Private landlords won't rent to you because you are a liability to them.

pinnjnnn · 13/12/2018 14:08

As far as I'm aware from friends once your on the list you bid on properties your interested in.

OP posts:
TheOxymoron · 13/12/2018 14:11

It’s you’re, not your.

FlashByReputation · 13/12/2018 14:11

Having this financial mess is horrible but you need to start being realistic and honest about your situation with yourself OP. Yes debt is horrible but no one held a gun to your head to take out a catalogue payment plan, or buy a car on ridiculous finance. Own your choices and deal with the consequences.

pinnjnnn · 13/12/2018 14:12

I don't really care if it's you're or your
It's not a English exam so I'm not really bothered

OP posts:
viques · 13/12/2018 14:12

Dear OP, one fact you keep repeating tells me that you are not only entitled but naive about financial issues and how to realistically sort out your situation and stay on top of things in the future.

That fact? "My dad pays for my mobile phone"

Not " My dad took out a contract for me but I insist that I pay for the phone charges because I am an adult"

Not " My dad offered to pay for my phone but I said no, I'm trying to save up to pay off my debts and put a deposit together so I got a cheap phone with a basic payg from Tesco for £7.50 a month"

But "I am thirty years old, live at home and not only are my parents subsidising my living expenses every month but my dad pays for my mobile phone. "

TheDarkPassenger · 13/12/2018 14:13

It’s you’re, not your.

Does that make you feel big and clever?

pinnjnnn · 13/12/2018 14:13

I pay for my own phone but it's in his name is what I meant.
My dad would never pay anything for me.

OP posts:
APositiveMind · 13/12/2018 14:14

Because when you lose you job you have to be an adult, ring who you owe and say your circumstances have changed, they set you up with a plan to avoid you getting in this situation. You clearly did not do that and just let it snowball into a situation you're not happy with but you have to live with it and pay the consequences until it's cleared.

DiaryofWimpyMum · 13/12/2018 14:15

I think you would be better staying at home and paying your debt off. It just follows you around. Your other option would be a housing association, they can sometimes be a bit cheaper, I'm unsure if they do a credit check, I know if I were you I'd stay where I was and pay off the debt.

OftenHangry · 13/12/2018 14:15

How long were you without a job?

TheOxymoron · 13/12/2018 14:15

No, it is to point out yet again that the OP is wrong but as expected....
The OP doesn’t care.

pinnjnnn · 13/12/2018 14:16

Actually they wouldn't except a reduced payment.
They gave me a month reduced and then starting throwing interest on.

OP posts:
pinnjnnn · 13/12/2018 14:16

No I couldn't care a less about a word I've said wrong.
Who cares exactly?

OP posts:
pinnjnnn · 13/12/2018 14:17

Less than a year

OP posts:
QforCucumber · 13/12/2018 14:19

No, it is to point out yet again that the OP is wrong but as expected....

Honestly, how does it help in any way at all, other than showing everyone that you are clearly looking down on those not in your position in every way possible.

bathsh3ba · 13/12/2018 14:21

I have a worse credit rating than you and I've been renting privately for the past 4 years. I've had to move four times though - once was my choice to relocate and the other three were when the landlord died and the person who inherited it wanted to sell, when the landlord decided to sell and when the landlady decided she didn't like the cats she'd given us permission for (even though they'd done no damage). So private renting is not secure at all and I am very, very lucky though that I have recently come into enough money to buy a house outright, which I'm now doing.

In every case though, I had to pay upfront rent, so I used savings from my divorce. I looked into housing association rentals and in my area, they still credit check you but they would consider renting to you if they believe your finances are under control. So I would try the housing association in your area but if no luck, you will have to either save advance rent, swallow your pride a stay where you are or get a flatshare.

If you're worried your partner may not stick around then it would be a really bad idea to have a baby with him. You say you want security but living with a man in a private rental is not security. If he left, you'd still be in dire financial straits unless you could afford all rent and bills on your own and that assumes he agreed to leave and didn't want you to. Financially, the only way to have a secure home as a woman is to buy one in your own name, jointly buy a house where you could pay the mortgage yourself on your own or marry.

APositiveMind · 13/12/2018 14:21

I cannot believe people are encouraging this woman to out herself on the housing list. It's meant for people in real need, not for people who have decided mum's house isn't good enough they must have a 'nice 2 bed flat'

TheOxymoron · 13/12/2018 14:22

So what provisions have you made if you lose this job?
If you can’t pay your rent, should the landlord understand it’s not your fault?

The point people are trying to make is that you clearly have some things you need to take care of before you can have what you want.
Why are you not prepared to do that?

Frequency · 13/12/2018 14:24

Teesside have choice based lettings. Once you're registered, you're allocated a set number of points. You log on to Compass Housing every morning, bid on properties you are interested in and wait and see.

The person with the most points gets first refusal, then it filters down the list. I was number 5 on the list for my house but because there was a six month wait for the keys, the four before me refused it. I accepted the house within a week of going on the waiting list.

The more you bid, the more you are awarded.

There is no need for OP to present as homeless or get pregnant, there won't be any temporary accommodation. She can't flat share because 1) they are more expensive and 2) they are few and far between.

There is a house share in my town on the most prestigious street in town. For a modest sum of £130 per week, you can share a three story, ten bedroom, two bathroom house with nine other people. I pay £87 p/w for an entire house Hmm

Can we try to remember there are whole towns and cities outside of London who do not share London's housing crisis?

OP, if you don't mind asking, how much do you earn? I'm just thinking you might be better off financially if you go into care work. I've just taken a job through an agency which pays £8 p/h for the first three months rising to £8.60 after the probationary period.

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