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?

OxyMoron calm down, wow!

Your and you're annoys me too but at that point I think you were running out of things to say to the OP and decided to pick on her spelling and grammar instead. Not nice.

You haven't answered some questions that have been asked several times. How much do you owe? Have you ever lived anywhere other than your parents? Because if at the age of 30 you have been out of work for 'less than a year' (your own words) and you have no savings and huge amount of debts, it isn't just bad luck losing your job, it is piss poor money management.

For the love of god don't bring a child into this mess.

I dont know why but you have really bothered me. Your attitude is appalling for someone your age.

Some of these replies are really cruel. Op isn't the first person to get into debt and won't be the last. It has no bearing on her ability to parent. And as for the costs of raising a child, OP isn't planning on immaculate conception. There is a whole other person who will be equally responsible for funding the child.

You will need savings to move, though, OP, even to HA. I blew through £1800 within a month of moving into my HA and there's still more I need to do/buy/save for.

Why don't you look into getting some bar or care work on evenings and weekends?

@APositiveMind what taxpayers have always paid for me?
My mum always worked
I've always worked (bar the months looking for a new job)
My dads always worked
Which taxpayers would these be?
The years we've paid tax you mean

Not including my car around £4000

I would hardly say £4000 is huge amounts of debts

Unfortunately it's not really the amount, it's the CCJ's. A lot of people get flats with bad credit and debt but having just 1 CCJ will cause endless problems. That's what I would focus on clearing ASAP.

And have you ever lived anywhere else?

4000 debt, paying off the small amount you are now, will take little under two years. Just hang on for two years. Can you afford to pay double off and just go without for under a year?
4000 isn't bad no, but you record of paying thongs back is bad. That's the point of the situation your in. If you borrowed £5 over a week to paybthe bank back but didn't pay it back for 10 weeks that's bad. It's not about the amount as such, it's the way you've handled it.
I'm sorry if it heated in this, it just bothers me that you can see the advice everyone is giving you, it's so annoying to see someone who of your age people look up to, yet someone of my generation is looked down on.
Listen to what everyone is say, just wait it out. It feels muchnucee to earn something nice and have your own than it is to just have to skimp and borrow again.

What difference does that make?
Where I've lived in the past

Quite a lot. If you have only ever lived at home, there is hardly any excuse for such poor credit history if you have almost always worked and paid a reduced rent and presumably no/little bills.

I've been advised once the debt comes down slightly the majority will offer me a reduced settlement ..sometimes 50percent off so I could pay it then.

If all your family and friends are in social housing why has it taken you until 30 to think about registering for housing?

All my friends that grew up in council housing signed on to the waiting list as soon as they were old enough, it is what they were expected to do.

It is not like you were unaware of the existence of social housing, and if you'd gone on the list when you were 18 you would have been housed years ago.

Like I've explained before ...loosing my job was the reason.

I had no need at 18 to register.
I didn't have any plans to move or have kids at 18.
Now that I'm older and met someone I want to have children with ..now is the time I want to move out etc

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

No, but when they loose their job they end up in the shit. Which you know.

Besides which, you have lived at home until you are 30. You have had the ability to not have debt. You have had the ability to save.
You have the ability to clear debt and save up. You are just choosing to strong the debt out as much as you can.

Even with your living cost estimate of just over £400 per month, add on your debt repayment and the car and you barely anything left. And you maths on what you outgoings would be are wrong.

You have found 1 cheap flat. In a shit area, that's going to cost a fortune to heat. If you can't save now, how will you save to move to a better area? When your child starts school?

Where are you getting the money to furnish the flat? You need to save money to move wether it's a ha house or not.

You have had loads of opportunity to have a decent credit rating and savings. You havent managed your money well for years.

The problem with that is that there are always cinsquences. That's what you are dealing with now.

Like I've explained before ...loosing my job was the reason.

Now it wasn't your credit was bad enough to use welcome 'years ago.

I see. So you have only lived at home.

I think the real world is going to be a big old shock for you.

I lived in a flatshare when I was 22 until 28 when I moved in with my DH. We then rented a 1 bed flat not in the area we wanted to because we couldnt afford it. Then we bought much further out because that is what we could afford.

I just find, at the age of 30, your attitude really odd. You aren't owed a 2 bed flat when you cant afford it. Why wouldnt you continue to stay at home with your subsidised rent until you've cleared your debts?

Anyway, I am bowing out now. You dont want to listen to anyone and you know best so. Yeah. Good luck with it all

There is one key word in what you keep saying that makes me think your just a little princess stamping her feet.

"WANT"

The more I read the angrier I get with regards how the OP has been treated on this thread. Anyone can get into debt, either due to no fault of their own or because they’ve been daft. Either way the OP is paying these debts.

OP, if defaults have been registered on your credit report, they will fall off after 6 years, paid or not. They same goes for the CCJs. The CCJs will also fall off the register after 6 years (from the date of judgment).

If I were you I’d obtain a copy of your credit report and see how long you’ve got to go.

On another note, I’m sorry if I’ve missed it, but I hope your not paying a debt management company to administer payments. I’d also look into If you paid any unnecessary PPI that can be claimed back on the Defaulted debts, CCJs and Welcome finance.

@filthyforfirth - love the username!

@apositivemind - that's exactly what's coming across to me as well. It does feel that the OP will always blame others for her mess.

I can't believe the OP has the gall to call herself homeless when she is in secure accommodation.

why do some think the op is a troll?