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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

To feel overwhelmed by this?

24 replies

Caffeto · 04/06/2019 12:01

I probably am, but I have anxiety and tend to just tie myself in knots before ignoring the thing entirely.

Our LL is selling our flat. BF works full time, I work part time, currently contracted to one day a week.

I have found a lovely flat nearby, absolutely perfect and affordable. BF has decided to move back in with his parents (valid reasons, I'd rather he came with me but it is what it is).

I have to send in an application for the new place, which includes references from my employer detailing my salary and contract, a full credit report and details of any benefits I am on.

I've been trying to get all this together but nothing is straightforward as everything will change once I move.

I have been offered a full time contract at work but will not officially be employed full time till the end of the month, therefore when I send evidence of my contract for the application, its going to look like I cant afford the new place on my own. Ditto evidence of benefits- I cant claim anything until we move out and I'm officially "single".

My credit rating is dire due to mess I got into some time ago, and I dont even know how to get a credit report done - I've read somewhere there is a specific one for landlords but mine is asking for the full report?

All I have in my favour is that I can move quickly and I will have a good reference from current landlord. I feel I'm going to be up shit creek because nobody will accept an application from me based on my circumstamces just now, but I don't have any proof of how this will change when I move.

I dont know where to start, BF isnt being helpful at all and I just feel like crying. To top it off my other part time job haven't paid me since handing my notice in and I'm going round in circles teying to chase that to no avail.

Anyone have any advice? I have a week to get all this information together.

OP posts:

WatchingFromTheSidelines · 04/06/2019 12:06

That sounds stressful.

Can you show the job offer from the new FT employment to prove your ability to pay?

The BF is a whole other issue. Presumably he wouldn't see you homeless? I hope? How is your relationship otherwise?

purpleme12 · 04/06/2019 12:12

Other option is do you have anyone who can be a guarantor

Original poster

Caffeto · 04/06/2019 12:16

I don't have any written confirmation, I am already employed by the company so have only had a verbal agreement of my change in contract. My manager is very trustworthy and I'm not concerned but when I asked about it he said I could show them payslips highlighting that I have been working X hours. I dont think this is enough as the increase in hours is recent and doesnt always stretch to full time.

BF and I are fine he wouldn't see me homeless and I'd be able to move with him to his parents if I absolutely had to but his father has a progressive illness which makes him increasingly tired and I'm very reluctant to move myself and hyperactive nine year old in and disturb their peace. I would just appreciate some emotional support or effortnon his part - anything I try to discuss with him he just shrugs.

OP posts:

Karigan195 · 04/06/2019 12:22

Send them what you have together with confirmation of your new job offer and proposed salary in writing.

Karigan195 · 04/06/2019 12:23

You need to get written confirmation obviously

HollowTalk · 04/06/2019 12:25

So has your relationship with your BF ended? He looks after himself, doesn't he? Is he going to expect to come and stay once you've sorted out a flat for yourself?

curiositycreature · 04/06/2019 12:28

Can you complete the paperwork as if BF was moving with you? He doesn’t actually have to move in...

Original poster

Caffeto · 04/06/2019 12:31

No Hollow we are still together, I understand his reasons for going back to his parents as he can support them fincancially and practically, its obviously a tough time for them with his dad being unwell... I'm just feeling a bit dumped on the side, I uprooted my own life to move in with him and now that has to change but I'm being left to source everything and deal with it all alone whereas he'll just go back to his mums with no trouble.

I'll ask my manager again for something in writing confirming my job offer, though he was a bit non-committal when I mentioned it before.

OP posts:

Original poster

Caffeto · 04/06/2019 12:33

Curiosity Sadly not as his parents need to inform their HA he is going back there, and also I will need to claim benefits as a single person which I won't be able to do if he is registered as living with me.

He'll maybe stay a night or two a week but we will be living separately which I also see as a step back in the relationship.

OP posts:

TitusP · 04/06/2019 12:42

I say this as nicely as possible but do not trust your bosses verbal agreement to the new contract. Your boss has no need to show loyalty to you. Ask them again for written confirmation of your new job as even if the letting agent accepts you with your current set up, if your boss goes back on their word you will be left with rent you can't afford.

You sound like you are in a bit of a precarious financial position, is it possible for you rent a room or move in with family/friends until you've sorted your contract and benefits?

NeatFreakMama · 04/06/2019 12:45

Get written confirmation from your employer on your change to FT and the salary implications.

Original poster

Caffeto · 04/06/2019 12:53

Titus I trust my manager, he has always been very frank and open with me and is a decent person. The delay in changing my contract is purely because the member of staff who I will be replacing doesnt have an official leaving date yet and I cannot sign a new contract until that is confirmed. I'm not worried about not getting the contract, just not sure that written confirmation of a verbal offer is enough for the landlord, especially when my bank statements and payslips dont reflect the income I will be on.

I have a 9yo so not in a postion to rent a single room really, and family live too far away from work/school.

I dont feel worried about my finances as such, its just proving them thats a problem. If BF was moving with me it would be far more straightforward.

OP posts:

purpleme12 · 04/06/2019 12:57

You haven't said if You've got someone who could be a guarantor. That would be the easiest way

TitusP · 04/06/2019 12:59

Ok well then I doubt any landlord will accept the word of your boss that at some indeterminate point in the future you will be able to afford their rent unfortunately. Can your boyfriend move back home now so you can start your claim as a single person to clarify that bit of your situation?

Whatisthisfuckery · 04/06/2019 13:03

OP you need a guarantor. Can you ask your boyfriend to be a guarantor, if he earns enough? It’s normally 2.5 times the yearly rent.

purpleme12 · 04/06/2019 13:06

If mine was 2.5 times the yearly rent I'd almost earn that amount myself! Unfortunately it's a lot more than that to be a guarantor

Original poster

Caffeto · 04/06/2019 13:09

I do have a guarantor, thankfully my parents have agreed to do that bit for me. I just feel like everything is hanging in the balance and its all depending on other people/ out of my control.

I think my credit report will be my downfall anyway.

OP posts:

purpleme12 · 04/06/2019 13:11

Why are you worrying if you've got a guarantor?!
If they've got a guarantor they don't care. If the guarantor passes everything they just go after them if you default. All the care is that someone can pay. That's why they ask for guarantors in this situation

Original poster

Caffeto · 04/06/2019 13:16

Really purpleme?

I thought that was just a last resort, assumed that if everything else looked shite they wouldnt bother whether I had a guarantor or not.

If thats right, that's a weight off my mind a bit!

OP posts:

purpleme12 · 04/06/2019 13:58

They wouldn't have accepted me on my own merit. I had to have a guarantor.

A guarantor is basically for if they don't want you on your own merit, if you don't meet their checks. So you'll be fine

Original poster

Caffeto · 04/06/2019 15:02

Thanks purpleme thats put my mind at ease a little. My credit history is terrible (historically, ex ran up a bunch of shit in my name) and its only in the last few weeks I've mamaged to up my hours at work. Was really getting panicky about it all but that gives me a bit of hope!

OP posts:

Nearlythere1 · 04/06/2019 15:48

Hi OP, I had the exact same situation a few months ago where I wasn't working full-time at the time of applying but am contracted to start again in August and they accepted me. However, another factor was that I was able to show evidence of savings so they knew I had something in the bank to cover rent if there was a problem. It was only £3,000 but it helped. If you have that then give them a screenshot with your application, if you don't then ask somebody who trusts your to transfer a couple of thousand into your account just for the screenshot maybe? I agree that it's stressful and I was also tying myself in knots about everything they needed but just give them everything you've got an there's no reason you will be rejected.

But also, like purple says, if you've got a guarantor then none of it really matters but bear in mind your parents will have to go through the exact same vetting process, all the documents and proofs, credit checks etc. So it's a lot easier if you can get accepted on the basis of your pending contract.

Lightsabre · 04/06/2019 16:01

Mmm, I'm not sure that you will be accepted, even with a guarantor if you fail the credit checks. Can you appeal to your current landlord for some extra time? You are in a vulnerable situation - I'd be inclined to cut contact with your 'partner' - he's been no help at all. Glad you will be protecting yourself and your daughter financially by working more hours yourself - lesson learned I guess. Hope it works out.

Original poster

Caffeto · 04/06/2019 16:40

How do people with shit credit cind houses then?

OP posts:

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