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?

So can landlords see defaults or not? Can they see the number of your score e.g. 600? Or can they only see CCJ’s?

If they can’t even see this information how can people demand that someone has a good credit score? If someone had 10 default accounts on file but no CCJs would this even be visible?

It is so so confusing.

You are right, just go for it.
What was it you wanted to ask again?

Food shop can easily go over budget
Water for us is £35
Petrol
Phones
Nights out
Clothes
The odd £10 chip in for work bdays etx
Xmas presents
Car repairs
A washing machine/fridge/bed/sofa?

OP sorry I also forgot to say and I hope I don’t flamed or anything, but my brother and his partner have recently moved into a new rented house and his partner had about £3k worth of CCJS. They lost the first place they looked at due to this but got another place. She definitely had to pay them off first before they would consider but they are now renting - and this is within a month of paying off the CCJs, they didn’t have to wait years. This is also in the south east where rent is quite competitive.

There is hope for you especially if you can demonstrate you have enough income to cover your costs. However it would be so worth plowing money into any CCJS you have first to get them satisfied, and then saving more than enough for moving costs and furniture. If you work hard between you I reckon you could do that like within a year.

But you have to be responsible especially if in the future you are looking to have a baby. There is nothing in the world to me more stressful than financial instability and children to look after.

Debt won't make you a terrible mother. Being totally dim, on the other hand..

The 4000 is your CCJ plus how much left on the car? If you’ve got spare money to move out put it in your debts and get them down. The longer you have them the more you’ll pay.

Notaclue (apt name) regardless of how someone gets into debt, being in debt is soul destroying. Who are you to say who’s deserving of sympathy and who should be gleefully criticised. How do you know how someone will react to being in debt. People should have a care before putting the boot in.

Also although Individuals have a responsibility, lenders have an obligation to lend responsibly.

As for owing £4000, it isn’t a fortune in the grand scheme of things and plenty of couples manage on less than £2400 per month.

Ffs. Not taking into account savings, extra unexpected costs, life in general etc based on your sums you will need to come up with £200 a month more than you currently do!! Also it's sounds like a reasonable income until you work out that a fifth of your COMBINED income will be spent servicing YOUR debt.

Sorry first part is wrong I thought you meant each would be paying. But the last past stands.

If you're on £1180 a month and currently only have £300 rent and £270 for car insurance and finance as outgoings, you could pay £400 a month off your debts and have £210 left spare. If you're £4000 in debt that would mean your debt is cleared in 10 months.

Why not do that before moving out? In the grand scheme of things 10 months is a really short period and then you have £400 more a month with no debts. Your credit file will still suffer until they drop out but at least you wouldn't be in debt and £400 is a lot of extra money in your pocket!

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

Well then, he probably won't stand guarantor for you.

Can you ask your parents to show you all their bills for running the house to give you a jolt of reality?

I personally wouldnt pay extra off debts on a monthly basis. Iv seen people do this and then the debt owners expect you to pay the extra every month and start putting pressure on. Bearing this in mind, if I was the OP I would try and save up and clear the smallest debt off with a lump sum and then start on the next smallest debt.

My employer would pay my maternity leave

A full year in full pay? You may want to check that.

Imissgmichael restoring to personal insults just proves you have no point But can't accept it. I gave my opinion. Which is that ok has been clueless with her money for years. She is facing consquences. Not punishment. Consequences. That's what happens in real life.

I haven't said who deserves sympathy. What I have said is that the OP is clueless about money. If she can't afford to pay more off her bills now, she can't afford her half of the bills. Because they will come to more than the £300 she is paying out now.

So either she can afford to pay more off her debt, which would help her in the long run. Or she can't afford to move out.

Again, where is the money coming from to furnish the house, to get the babies stuff etc if the op can not up how much she pays on her debt?

She can afford to pay more but is so stuck in the 'I want' mode, that she won't pay them off and make a better future.

That's up her, but then to moan that landlords shouldn't be allowed to refuse you a property because you are crap with money, not to mention claiming she would be homeless (which is bollocks and an insult to people who are actually at risk), is ridiculous and shows how immature she is.

@silverdoe they can't see defaults but they can see anything that is listed as 'public information' - such as ccjs, debt relief orders and bankruptcy.

Wow @TheOxymoron - are you personally invested in this situation somehow? You’re so annoyed - calm down.

Your comments are so patronising, who do you honestly think you are? Whilst I agree with a lot of comments around OP being naive & think there’s been a lot of sound and unfortunately repetitive advice - you are just a nasty piece of work. I got to page 14 and you actually ended up annoying me! Correcting grammar and asking if OP is afraid to answer your questions

Take a step down from your high horse and talk to people with respect even if you don’t agree with them. If that’s too difficult for you - don’t comment anymore? Or am I missing something? Honestly I wouldn’t dream of speaking to anyone like you have on this thread.

OP - sorry I haven’t read the last pages but I lived in the Teesside area and I agree with the others regarding the area - it’s not the best. However, I do think you’ve recieved a lot of decent advice despite several people talking to you like actual shit which nobody deserves. Have you tried any other areas maybe outside of Middlesbrough? Stockton, Thornaby or even Norton?

Pinnjnnn have you looked at your employers mat leave policy?? You know it’s never full wages right?? And if you don’t return to work you need to pay a good portion back!

My employer would pay my maternity leave

A full year in full pay? You may want to check that

OP hasn’t stated anywhere she wants to take a full year off on maternity though?
How do you know she wouldn’t go back to work after 3 months? She’s a civil servant so I’m (assuming) she’d receive an okay maternity package. I understand why the maternity pay is being mentioned but I’m starting to feel like this is abit of a witch hunt now. Every update OP writes gets pulled apart..

As I’ve said earlier I’ve read a lot of repetitive advice, if I was trying to give advice to somebody on here and they weren’t listening - I’d move on. I don’t understand why a few of you are still commenting despite getting annoyed?

I understand it must feel frustrating when you have the income but you have to see it from a landlord’s view. You are a risk. I mean, renting your property out to tenants is a risk but given your history, you are a bigger risk.

In terms of practicalities, how secure is your job? Could you live on one salary if either of you were unable to work due to ill health? What if you lost your job, could you live on one salary? How much maternity leave would you be entitled to and how much would you be paid? How much is childcare in your area in comparison to your salary? I’m not asking you to list it on here but these are things to consider.

OP hasn’t stated anywhere she wants to take a full year off on maternity though

Didn't say she did. But she says her maternity will be covered. But again, has made a decision but has not clue really.

Notice she has replied to how they would cover childcare, or live on one wage if she becomes sahp. Or furnish her house.

Because she doesn't know. Just like she has no idea what hee mat policy is really.

I have already said hours ago that when we do move in together we will take it room by room.
Get the essentials first.
Things we already have and I'm sure our family will help us out with any bits and bobs they don't use /need anymore.

@Anyat212 yeah we have been looking at places in Hartlepool too and peterlee (so slightly further up)

This has probably been covered in the almost 400 replies but you aren’t homeless.

I’ve been homeless and to hear you throw it around like this breaks my heart. You have a roof over your head. You have somewhere to stay.

I’ve also been £20k in credit card debt and worked really hard to pay it off. I didn’t get as far as CCJs or anything but life is much better now.

Good luck