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?

whatsthestory123 because her story doesn't ring true. What she's saying doesn't add up

People are getting frustrated OP because they feel that your priorities are in the wrong place. If you're from any kind of family like mine I can wholly understand not being taught to manage money etc growing up, I'm 32 and live not too far from you by the looks of it. Everyone just gets on with it here, debt isn't seen as a big problem because everyone has it.

To buy our house we moved in with DPs parents for a year and in that time, between us, both working full time then my doing overtime and DP doing jobs after work (he's in a trade) we saved over £9k, this is how we bought our house. I've never, until the last year/2 earned more than £17k so this wasn't easy.

Imissgmichael you are angry that she is being told the truth.

She has no right to a house. She has lived at home her whole life and also managed her money badly. Even before she lost her job. Why else would her car loan come from welcome? Welcome who charge alot because their customers are high risk.

Ops money Managment was poor leading up to her losing her job. She hasn't got in debt through need. She has got into through want. And now she wants a home so thinks she should be entitled to it.

Even her money Managment now is bad. If she can afford to live out of her parents home, why isn't she paying more of her debt? Why hasn't she got savings?

No I don't believe that many people get into debt whilst living with their parents, they do the bare minimum to resolves it while stamping their feet that they are dealing with the consquences of their choices

Paying the debts off might look better on paper but the defaults and CCJs will stay on your report for six years. You really need to listen to what people are saying.

Correct me if I'm wrong but people saying here that bad credit affects working in banks/renting a property. No actually, it doesn't. So long as you haven't got CCJ's/bankruptcy.

Employers cannot do credit searches, neither can estate agents. The type of search they do does not allow them to see bad credit. It only allows them to see what address you're registered at and also whether you have any CCJ's or bankruptcy.
But it does not allow them to see defaults/missed payments or what credit card you have.
People are very misinformed.

When my partner and I first moved in together, I wanted us to get a house together. We ended up getting a room each in student housing.

A year later, we rented the cheapest house we could find. We wanted to own our own home. The next year, we bought the cheapest we could find.

For years, I'd wanted a certain type of house that was way more expensive than we could afford at the time.

Last year we were able to buy one but it took 13 years. 13 years for me to get out of debt (catalogue, phone etc.), to get rid of CCJs, to get to university and get a better job. All without the luxury of parents helping me out (both are dead).

No-one is saying that the OP has to wait years but she has to be practical. Just because you want something doesn't mean it will happen without putting in the work and even that doesn't guarantee success.

The first step, IMO, is being realistic and stamping your feet and demanding a "nice, two bed flat", is not being realistic.

No Notaclue I’m angry about the judgy attitude about people in debt. Some of you gleefully criticising should think about the case of Jerome Rogers and the deplorable way some debt collectors and lenders act when people can’t pay their debts. Lenders own code of practice and guidelines state that they should try and help debtors but they don’t always follow them.

I at no time said she was entitled to housing. I think she should try and pay her debts off as soon as possible so that she can make an effort to save up so she in a better position to move when the 6 years is up.

Ok once again ...
If me and my boyfriend have enough disposable income to rent together now what's the problem?
We aren't going to rent a palace we want to rent something cheap.
I'm getting a sense of "you have sent so you have to sit in your mother's bedroom for the next 6 years and not become a mother as punishment "
That's how pathetic half the comments on here are.

My debts are going down slowly but surely.
They are being paid and I have enough money to rent.
What's the issue here?

• you have debt

@Notacluethisxmas because I owe some money I now have no right to a house?
Why's that?
Should I shave my head and join a convent too?
I owe under £4000 I haven't murdered anyone
Jesus wept

All these people suggesting OP must know someone to guarantor her. Would you?

It’s not about paying the debt or being punished, very very few people would trust you to pay rent with the CCJs, not to mention the defaults. That’s why you won’t be able to rent, not because you should be punished.

You can keep ignoring it, it’s still true.

If you have the disposable now to rent could you not add that to your car repayments? Reduce that further while you're able and clearing the rest?

Your partner could apply for a house and you later move in?

I've made a application with my local H/A to join the list so hopefully that won't take too long.
Then in the future we might be able to rent privately.

As an aside, if someone agrees to be a guarantor, and then the person they are 'guaranteeing' defaults on payments, doesn't the guarantor become liable for those payments? It's only things I've seen on the tv, but if this is so, being a guarantor could be high risk.

Can letting agents and landlords choose who they’d rent to?
Yes
Do you appear as a risky choice who has proved unreliable in the past, as evidenced in law?
Yes
Is it ok to fantasise about a nice flat with a baby and a partner?
Of course.
Unlikely to become reality in your current situation, which is all posters are trying to say.
The amount of debt is relatively small, so how did you let it get to become such a serious legal problem? One that is now stopping you from renting?

I'm up north. I have debt, and am on a debt plan where they have frozen the interest
I'm 34 and want children but quite honestly I am never likely to be able to afford a child, hence why I use two forms of contraception

My bills monthly if it helps

£550 mortgage
£98 c tax
£15 contents insurance - YOU NEED THIS (someone put a firework in my window and I had to claim recently)
£75 leasehold (buildings insurance in this)
£22 water
£20 broadband
£60 gas and electric
£10 (ish!) tv license
£20 denplan (no NHS dentists)
Then car tax, car insurance, service/MOT

Oh and look at a second job, I do my first one FT and then my second one evenings and weekends

Like I said I'm aware I'm risky to private let's at the moment ...that's why I now think the housing association is my best option.
She said they only need payslips to show your income not credit check thankfully.

@Ollivander84 I'm thinking about p/t bar work for weekends
4 hour shifts would be better than nothing

As a PP has said, it's not about a bad credit rating - they only check for CCJ s and bankruptcy.

OP if you haven't settled your CCJs, that should be your priority - they'll still show up, but as settled ones, and once a bit of time has passed, you may get someone who'll take a punt if you are honest.

Otherwise, six months rent in advance/as a deposit is probably your only option.

I'm in a city where everyone wants foreign students as tenants: despite passing the checks, I couldn't find a single flat that didn't require a guarantor as well. In the end, I got quite short-tempered and pointed out that my home-owning parents didn't meet the guarantor income requirements, but since they were both willing to sign, and I had passed the checks, and they'd spoken independently to my employer - one of the three largest employers in the city--about my employment status and salary. Luckily for me, they gave in and let me rent

Private rental can be seriously brutal even without multiple CCJs.

Some of you gleefully criticising should think about the case of Jerome Rogers and the deplorable way some debt collectors and lenders act when people can’t pay their debts.

You can't see the difference between this case and the op really?

If me and my boyfriend have enough disposable income to rent together now what's the problem?

But you don't. Because you maths is wrong, for outgoings (which will be higher than the rent you lay your parents) and you already said you can't afford to pay more off your debt. So you don't have the money.

Neither do you have the credit rating.

Notacluethisxmasbecause I owe some money I now have no right to a house?
Why's that? Should I shave my head and join a convent too? I owe under £4000 I haven't murdered anyoneJesus wept

No you don't have an automatic right to a house. You just don't. You are not homeless, no one is responsible for housing you, except you.

Why would you think you have automatic rights and landlords should HAVE to house you?

No one said you murdered anyone ffs. But you aren't mature enough to realise your finances are off and know how to fix it. You don't even have a realistic view of what the bills will be.

You and your boyfriend work. So you will still pay rent. You may get a small amount towards carpets. The house will not be furnished. The council won't pay for your mat leave etc.

You keep showing you have no clue about the real world.

@Notacluethisxmas both mine and my boyfriends wages together is more than enough to pay for all our outgoings

My employer would pay my maternity leave

How can over £2400 not be enough for us to live independently?

Say for example
£400 rent
£120 council tax
£80 gas and electric
£20 water
£28 broadband
£648 total

My debts =£350 car plus insurance
£200 debts
=£550
£1198 plus £200 month food
£1398
If our combined wage is £2400
That leaves over £1000
How can we not afford it ?