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?

APositiveMind
That is because we now have a society where some people think it’s right for others to fund their wants and needs.
There are genuine people that can’t get help because of this type of behaviour being allowed. This is a perfect example of foot stamping petulance.

Best option is to get pregnant as soon as you can. Then when you've had the baby, get your Mum to evict you on the basis the house is overcrowded. You'll get a nice council house then for sure.

Tee Hee

OP a reputable landlord will probably not accept you - you are a bad risk with your financial history. I get that you think it is unfair, but tough - the property owner quite rightly looks to protect their own interests.

I am sure there are some rogue landlords who would rent something to you.

I got a CCJ when I was 23, and hadn't opened any bank letters for months as I was too scared. It wrecked my life for YEARS, those things are a bastard. But they stop you getting further credit, which is actually a bonus in many ways.

Anyway. How much is left owing on the CCJ debt? That's the first thing you need to clear. Throw EVERYTHING at it. Talk to your parents; they might consider reducing your rent if you prove you'll pay the savings towards your CCJ. Once you've cleared the CCJ debt, you can apply to the Court to issue a "Satisfied" notice onto your Credit Reference. It doesn't clear the CCJ but it looks a lot better. You can also add a notice to your Credit file explaining how the CCJ happened.

Google "improving a CCJ credit reference" - the Credit Ref agencies like Experian are really helpful, you can contact them directly for advice.

You want a baby but statistically, you have 5 years of great fertility left (as far as we know). Spend a year of that clearing your debts. Get a second job if needs be. Sort this out with NINJA FOCUS. Keep picturing the adorable baby you'll have when this is all sorted, use it as motivation.

Definitely look into PPI on the car loan, that could clear everything in one go. It's really simple, just ring up Wellcome and ask to speak to their PPI department. They won't cancel your loan or punish you for asking.

You need to speak to a letting agent.
I rent and in the past also had bad credit and a CCJ and all they asked was for a guarantor. You surely cannot know one single person who owns their own home? They don't always have to own their own home though, just have a good credit history. Unfortunately you have multiple CCJ's and multiple defaults and therefore are a much higher liability than someone with just a bit of old debt.
Your budget does seem a little far fetched though. £412 for your living costs IS unrealistic. You need to be doubling your bills and food estimation.
I'll break down the monthly cost of living in my house for you. I share all things with my husband 50/50.

Rent : £250 each
Gas/electric: £35 each
Water: £40 each
Council tax: £70 each
Car (we share 1 car on finance): £110 each
Food: £200 each (goes into a pot, includes meals out as well)
Petrol: £150 a month ( I pay this as use the car more)
Gym : £50 each
Total £905 for me and £805 for husband.

I earn a little bit more than you do and have roughly £300 spare each month (for clothes, nights outs, gifts, toiletries etc). My husband the same. We are yet to have children but know we will obviously have a lot less disposable income at the end of the month then. You may be able to find somewhere to rent but you really need to have a more realistic budget first! And you need to factor in your debt repayments.
Don't forget moving costs! We looked into moving recently and with all the costs involved it would cost us just over £4000.

@TheOxymoron who exactly is funding our wants and needs except us?

@Frequency thanks for that I'm going to register
I have £1,180 (or there shouts after tax ,ni)

@TheOxymoron who exactly is funding our wants and needs except us?

I go back to my last question...

What provisions have you made if you lose this job or to carry you through any potential maternity period?

Why won’t you clear your debts and then move forward?

You just know that next Christmas op will be writing a thread about how unfit it is that she is pregnant, still living at her parents and has no money and can't afford to move out.

Non of it will be her fault, won't have been in her control.

I mean come on, she has had bed credit for years and can't admit it. She isn't going to face the issue, now.

The myths about having a baby and immediately getting a house are just that, out of date myths, you’d end up in a hostel somewhere without even a cooker.

And if you don’t like that last paragraph, don’t vote Tory. If you did, this is your fault

It's not Tory voters' fault if op chooses to have a child knowing she can't afford it, then expects, or is encouraged to expect, LA/HA to house her. Social housing should be for people in genuine need through no fault of their own - bereaved, ill or disabled, fleeing abusive relationships. OP's wants do not trump their needs.

Bills take into consideration:-

Rent
Gas
Electric
Water
Home Insurance
Car finance
Car insurance
MOT (if you put aside each month)
Tv licence
Sky
Broadband
Telephone
Mobile
Fuel
Food
Netflix
Clothes
Entertainment (going out, take always, gym)

Plus baby stuff!!!

As for renting from a housing association, I live in a HA property, I was on the waiting list for a 2 bed flat, with 2 children, for over 3 1/2 years, and my area isn’t considered to be ‘in demand’. Good luck getting one as a single couple with both of you working!!

Do you really think everyone has savings in the bank incase of what if?
Maybe you need to get in the real world not me.
We can afford to move out ..

Would you not be slightly embarrassed to explain to your friends and family why you're on a housing association list?
Genuinely not homeless, far from it.
Have a relatively good full time paying job
No dependants (yet)
Family and friends
Car loans, phone contracts and other nice things

The house you bid on could be going to a single mother with no job who has been abused and sleeping in the rain.

entitled

You can't afford to move out, you can afford the idea of moving out.

We had roughly 8000 saved for the what if' s when we bought out house in February.. we now have 2000, because the money got spent one way or another. It was an emergency fund and we've used it, we had to use it. There is no way you can afford to move out without money behind you. Are you actually for real? You're 30, you're 8 years my senior and you seriously have no clue about the real world.
Did you grow up with the bank of daddy? Sounds it.

People need to understand that housing in Teesside/Middlesbrough/ even County Durham is not limited in any way! It’s just not the same situation as the rest of the country, this lady getting a house does not take it from an abused pregnant mother! There are plenty of social housing options here. I work alongside housing isn’t his bloody area fgs!

I’m in the real world. It’s you that isn’t.

You have an entitled attitude. Most people that are planning to rent or get an mortgage do have savings as they need it for deposits and costs associated with it.

Are you still afraid to answer my questions?

Why would I be embarrassed?
All of my friends work and are In social housing.
My mums house is social housing and she's worked all her life too.
Not many people have a spare £8000 to move out

The house you bid on could be going to a single mother with no job who has been abused and sleeping in the rain

There are no single mothers in Teesside sleeping in the rain because Teesside does not have a shortage of social housing.

Do you really think everyone has savings in the bank incase of what if?

OK, I said I was going to bow out but I couldn’t resist.

I know full well that many, many families don’t have savings in the bank for ‘what if’. These are the people that I hand Foodbank packs out to every week because ‘what if’ happened and they had nothing to fall back on. Imagine having to choose tampons from a selection of own-brands of indeterminate shape/size becasue that’s all there is in a box full of stuff that someone’s donated. How do you think those women feel?

This is reality. This is what I see every time I attend. You are knowingly choosing to put yourself at very real risk of absolute destitution becasue you want a home and a baby now.

Words fail me. At 30-ish you should have grown up by now. You haven’t. You won’t until it’s too late.

Read what people are typing OP.

These people giving advice are sat in homes they rent or own so they must be doing something right.

It wasn't a spare 8000 my love, it was hard worked, saved and sacrificing the nicer things in life to be able to have a fall back that got us our house.

Ah so that's why you feel entitled to it, that's all you've ever known in taxpayers paying for you. My questions are answered.

Why don’t all these hackers stop fucking around with the government and the NHS and do us all a favour and start deleting some credit records and mortgages

Can’t argue with stupid!