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?

No. The HA wouldn't require a credit check, but probably won't offer you anything until the twins are born.

Pmsl

Op. You have a perfect oppurtunity to fix your problems... why would you commit to private rental costs - if you have that money and your debts are as small as you say why are you not paying them all off as quickly as possible whilst living at home.

Do not bring a baby into this situation. You aren't ready yet financially (and this goes beyond the "never a perfect time" ..

What happens if you split up or lose one of your jobs? Will you fall into further debt not being able to keep up the payments?

Why aim so low? A nice 2-bed flat? Pah! Detached 10-bed in Kensington, please.

You have 5 years where you should be able to ttc without difficulty.

So make a plan towards that.

Get a second job and pay off your debts ASAP. Stop all non essential outgoings and put everything into the debt payments.

Go onto money saving expert for loads of advice.

Apply for a HA flat but be aware you may have a long wait.

You only need a one bed until a child is a toddler so you need to reign in your expectations.

Where is your dp in this?

Where does he live?

Does he have debt?

Do you share finances?

Have you ever lived together?

Do you have plans to marry?

Does he want dcs now?

You sound like you’re down about living at home after turning 30. This isn’t uncommon in the modern economy or in the past.

You will get through it- focus on what is good- health, job, relationship and that you aren’t in a hostel.

I didn't wrack up debts.
I was managing perfectly fine with my finances until I lost my job then the repayments were too much.
If I hadn't of lost my job then I wouldn't of got into that situation.

Go on Gumtree. Find a suitable flat that is not let by an agency. The chances are that a private landlord will not credit check you. They will want a work reference and maybe a previous landlord or other professional reference.

What's with the sarcastic comments?
I asked for advice not to be spoke too like shit.
We haven't lived together no but that's what we want in the not so distant future.
He is self employed but does ok for himself.
Plenty of work coming in but I don't want to rely on him to pay my debts.

But you can surely pay them off in a few months now you're in a position to pay private rent?

I'm employed now.
I work full time but when I lost my previous job that's when I fell behind.
That was over 2 years ago now.
I've been employed full time for the last 18 months.

@pinnjnnn if you're living at home and not paying rent/mortgage, why are you only able to afford £200 a month to your debts?

If you can afford to pay rent, you can clear £600-800 a month off your debts, assuming this is the rough rental figure.

You're clearly living in cuckoo land

Even if I did pay them off they would still show on my file for another 4 years so my credit is still going to be rubbish.

I pay £300 a month rent at home.

So that’s £500 pcm.

Where is the rest of your money going?

Why can't your partner get a tenancy in his name then?

Food,car insurance,car payment etc
He could but I don't want that
If we split I would be High and dry

Really not the point. Infact, you're spectacularly missing the point and appear to be taking zero notice of sou d advice you're being given here.

Did you really want to hear "you're totally right. Such an Injustice! Carry on paying the minimum to your debts cos it doesn't matter anyways. If you speed up having a baby they'll give you a council house. Problem solved"

If you pay the debts off asap, you can then use the money you are no longer spending on debts, to save up for a deposit and all the stuff you will need when you get your own place.

You are being so ridiculous. You have been working for 18 months and yet not cleared any of the debts.

Fwiw your monthly bills, including rent, car etc will likely come to £500 at least. If you can't afford to pay more off your debt how are you planning on paying rent and paying the debts off. Surely the debts need to go first?

Car insurance and car payments with all that bad finance? I am so confused....

If the debts are so small then pay them off asap. Its as simple as that. And I also dont understand if they are so small and you have been working ft that you haven't yet

If you're paying off £200 and none of your CCJs is for more than £1000 it would take you less than two years to pay it all off. How long have you been paying it off for?

And you're nowhere near 'homeless' FGS. You're in a very fortunate situation being able to live with your mum for just £300 a month. I was homeless as a teenager and I can tell you that it is very different from what you are describing.

Our mortgage payment is less than pretty much anywhere renting, we pay £428 for our mortgage, so that's £214 each a month, that doesn't include any of my other outgoings. I roughly pay around £800 total for all of my outgoings a month I get paid right £1300 a month, I scrape by but the absolute first thing I do when I get paid is make sure everything that I owe goes out, i pay all of my bills as soon as my wages go in and then I don't need to worry about missing or late payments. Renting will more than likely cost more than £400. I'm only 22 years old and I absolutely fucked my credit rating at 17/18 and I'm still paying the price for it now, I can't get car finance in my name so it's in my partners name and pay it through him.
I just learnt that if you owe money you have to pay it back, there's no "one month won't hurt" "ill paying back at the end of this month instead" you wouldn't take a loan from your mum with the promise to oaynit back by X day then turn around and not pay her. It's not your money, it's borrowed.

Well if he can get a tenancy there's no problem is there? If it goes tits up just go back to being 'homeless' at your parents house

Serious pisstake

Understatement.

You are not homeless - get a second job, pay back your debts asap. Having a child in your present circumstances would be madness. Life isn't all about what you want - it's a hard lesson to learn.

I would always pay my rent which is the frustrating thing
How do they know that?

If you don't have a reference from a LL that you pay rent can't see it being easy to get a place.

If we split I would be High and dry

Then why have a baby with some guy you're not married to?