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?

At 30, most people would be annoyed living in their old bedroom.

Yes, but the op needs to accept that's a consequence of her actions. And she has the opportunity to get out of it before getting a flat. At 30 she could have had plenty of savings.

Op, it's nice when family give things they don't want or need. But again, you are relying on other people. They wont be able to give you all tbe basics. Taking a room at a time sounds like a good plan. But it's not easy to live in half done flat. When you are already paying the bills. Moving is expensive. Kitting out a house is. You aren't going to have the spare money you think you are.

I know, I have done it this year. You don't have realistic views. Nor are your maths right.

No one is saying you shouldn't want this stuff. Simply that it's out of your reach at the moment but you can change it. You don't have an automatic right to your own home. People work at getting their own home. It takes work and takes time.

I was with my poor parents until I was 33. I made poor choices in my 20's (gambling) and had to sort my credit rating (and life) out before moving forwards.
I paid off a chunk of debt over a few years, sorted my credit rating then rented a flat with my partner.
I continued to save and pay debts a few more years and had my baby last year at the age of 38.
It wasn't easy. All I've ever wanted was to be a mummy since I was a teenager. And having a career as a nanny just reminded me of what I didn't have every day.
BUT I had made those bad choices and I had to deal with the consequences before being in a position to have what I wanted.
It might seem a bit shitty right now, but you can make things better. It just takes time.

OP I feel very sorry for you and the shitty responses you have had on here. In my opinion this is a very affluent site, and as such many of the posters don't understand what can lead to debt, the helplessness in paying it back etc. it also has a very black and white ethos at times- e.g if you go 1mph over the speed limit you are a criminal etc. So let all that nastiness go over your head a bit.

Ok- in your shoes I would go for a private landlord. They are unlikely to do credit checks. Any estate agency will do credit checks on public information and won’t like CCJs. A private landlord will probably want evidence of your work slips and maybe to see bank statements. Or get your boyfriend to sign up in his name only. The worst that will happen is that if you split up, you return to the situation you are in now- so no worse off. If it's his name on the lease he would be solely financially responsible so he is carrying a bigger risk.

A few years ago I was you minus the CCJs. I found a wonderful landlord, I kept the house perfect and never ever was late with a payment. I’ll always feel indebted to her for being so kind to me during a low point. Keep chipping away at those debts and please don't ignore things to the point they become CCJs in future- am sure you've learnt this now. See if you can change your phone contract in a year or two to sim only- very easy to get and it’ll be in your name. Apply for a capital one credit card if possible too (do a soft application first), put petrol on it once per month and pay it back the month after. In 5-6 years you could have had a child and be focusing on the purchase of your first house- keep focusing on this every time you lose focus with money. Try and open a savings pot too after 2-3 years but focus on the debts first.

I didn't live with parents. I worked 3 jobs to save up to buy a house. When I moved in, there was no furniture, until I saved up more money. The first night it snowed and I slept on the floor in sleeping bags. Before that I rented rooms or studio flats and moved lots of times. The last time I moved my car broke on the second day and I had to buy another old banger. Sometimes unexpected things happen. I don't own an expensive car, but I own a house. We all want things, but it takes time and effort

At 30, most people would be annoyed living in their old bedroom

Everyone saying we don’t understand what it’s like to be in debt? I do. My partner left me with £12000 of debt that I accrued trying to keep a roof over our heads. (The previous partner left me with 14k of debt @ 23 years old- I clearly have bad taste) . At 30 I did have to move back home and live in my old bedroom. it isn’t fun and when I got a new partner it was awkward and difficult. BUT I paid off my debt and saved a house deposit in 3 years by living frugally, I even asked for advice on here how to best do that.

So don’t think I don’t empathise with OPs situation, only difference is she can’t see her part in her situation. I can see how I ended up like that, it was my fault, and I dealt with it. OP wants all the best bits of life with none of the hard work required. She has ignored all advice and is insistent that it is her right at 30 to have a nice 2 bed flat. She’ll be back next year asking if it’s ok not pay her rent because she wants a nice first Christmas in her nice flat, because based on previous evidence (extortionate finace on a nicer car/catalogue debt instead of buying things outright) she wants the best of everything now.

It's really tough. Years ago, I had bad credit (although no CCJs). But I never not paid my rent...

Notaclue you picked your username and you don’t like me pointing out it’s apt?

Why do I not have a point, because I don’t agree with you?

Iv given constructive advice based on my experience of helping people in debt. Iv also seen debtors who seem to be coping mentally with debt but who really aren’t.

The OP is dealing with her debt so people saying she isn’t facing up to it is really odd. As far as I can see she’s done her sums and could afford to move (although I think she should wait until the debts are gone so she has more disposable income).

@Sexykitten2005 I'm confused when you say none of the hard work?
What do you mean?
I work full time,I'm looking for a weekend job
I'm paying my debts I owe.
How in your opinion is that me wanting to move in with partner without any hardwork?

I don’t really see the point in your post Sexykitten. Unless it’s to brag how well you’ve done and feel self important.

The OP is employed as a civil servant and is paying off her debts. How can you say she’s not seeing her part in her problem and not wanting any of the hard work? She isn’t unemployed, asking for her debt to be wiped and free housing and furniture.

There has been so much good advice on here, all of it ignored. I’m not bragging, I’m pointing out when you want something you have to work for it, prioritise it over other things and not come on here claiming to be homeless and blaming reluctant landlords for not wanting to take a risk with their hard earned property. I’m also pointing out that I have an understanding of the OPs situation, I’ve been in high levels of debt several times and had to sacrifice to pay them off quickly.

From what I can see you are paying the bare minimum and I frankly can’t get over the thought process required to get into a situation where you are paying £11000 on a £4500 car.

Imissgmichael you don't have a point. You are getting all angry on the ops behalf, with no point. There for you don't have a point?

Why say my username is apt, if not as an insult?

If you can't see that the op maths are wrong, there's not much anyone can do to explain it further

Notaclue I’m not mad and perhaps you should have given more thought to your username.

Iv already said iv experience in this area. You appear to be ignoring this. Iv also said that it would be better if the OP waits until the debts have been paid off.

Sexykitten at 12.14 are you talking to me. It sounds like it because I’m the one who mentioned bragging not the OP. FYI I’m not in debt and have never had CCJs. Yes the OPs Welcome Finance was a mistake but it’s a trap many people fall into. What is done is done and she is paying this off as well as her CCJs. She isn’t shirking her financial responsibilities.

As for all the so called advice, most of it has been judgy and shitty.

Notaclue I’m not mad and perhaps you should have given more thought to your username.

Why? It's an mn username. Figures you are one those people that throws insults about then can't admit to it, when someone points it out. Trying and wiggle you way our of it and blame others.

Kind of like the op. No wonder other people's posts are making you angry.

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.

Yes, that's exactly what being a guarantor means.

If the lender has even the least bit of trouble getting the money from the borrower they will go straight after the guarantor because they know the guarantor has the money. They will not make any effort to chase the borrower first, why should they? Being a guarantor is VERY high risk and it's not something you can ask just anyone you know who happens to own property. They would either really have to trust you and believe that you could manage your money properly, or else be willing to pay for you themselves if things went wrong.

Sofa surfing is classed as homeless.

Living at home in your own bedroom with your parents is not. It’s insulting to genuine homeless people to say otherwise.

OK Bif, I think that point has been laboured now

I was replying to a comment upthread, but thanks for your opinion...

You're welcome

3 CCJ that's slot one is bad enough...what about paying rent up front? Both me and partner have bad credit, I have a few defaults, he has 2, he works full time me part time with a 6 month old we past credit check 😱 but for peace of mind for landlady we paid deposit and 4 months rent up front

Sorry for butting in but I can't believe you're 30! The expectations you have is absolutely ridiculous. You have NO financial stability, can't pay off your CCJs yet you want to rent/ have a baby.

Me and partner worked our arses off to get a lovely 2 bed flat after living in an awful studio flat,having a baby is so expensive and time consuming, it's not fair bringing a baby into the word when you can't even afford to feed yourself !

How have you accumulated all of this debt when you're living at home paying £300 pcm rent ?
When I lived at home I didn't have any debts or CCJs as I lived in my means.

You need to realise that you can't do anything until you stop feeling sorry for yourself.

To some of you who are VERY judgemental over debt. It is the most awful thing & many haven't got into debt because of being feckless or not "grown up" - some have had terrible luck - terrible circumstances & once forced into paying Peter to pay Paul - it can quite easily spiral out of control, especially when extra charges are added on to debts - when already the situation is dire. There are some people who quite easily be pushed over the edge with these comments - please have some compassion - one never knows what could be lurking around the corner & you too could end up in this most awful position. I know someone who tried to commit suicide over debt & all stemmed from people around not showing any kind of compassion - remember NO ONE is perfect. Good luck to anyone suffering at the moment

Otherwise, it'd be saving up six months rent at a time, and seeing if a landlord will accept that instead. Some will; but some are nervous. You'd need to check if they'd want the next six upfront too, and so on.

This is excellent advice and when I worked in homeless prevention, it helped a lot of clients who would never have got a place otherwise.

Another possibility is paying for rent guarantee insurance. It's usually around £100 (one-off payment), but the premium might be higher for you, OP, because your credit history is so bad.

I’ve been in debt, I had a CCJ that I didn’t know about (DVLA error) that actually wasn’t even much money and it plagued me until it dropped off last year. I’ve also used pay day loans in the past and really struggled

It is really hard to get out of debt but you can do it. You have to be hard on yourself though. I went without so many things for so long. I’m sorry but that’s your only option. Literally eat baked beans and no new clothes or hair dos

But i would also say trying to clear the debt with children is 100 times harder. I had 2 and I hated that I was struggling and restricted with childcare so I couldn’t work more and felt like it would never end. Is there any way you could knuckle down and get things paid off and savings even across 1 year while you still can? This may mean losing the car, downgrading. I had a £200 gold Hyundai at one point, it at least drove in a straight line.

So I sympathise to a point as I know it is a slippery slope but don’t keep adding to an already bad situation with more debt and responsibility until you have cleared some of it off