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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Aibu to ask them to waive the need for a guarantor

313 replies

Tiredunicorn55 · 19/07/2019 22:14

So I have got myself into a bit of a sticky situation.

I have given my house up (due out on the 3rd August) and I’m currently staying with friends to enable me to save up to rent a bigger house as the one I had was far far too small for me and a baby- let alone all the things I need to for the baby.

I have found a house and applied for this and divulged that I am going on maternity leave in November and they have asked for a guarantor.
I’m assuming they have asked for this as I will be on reduced income and/or in receipt of universal credit for a period of time.

My problem is I have NONE to ask. My mum has an IVA and my dad is apply for his second mortgage and doesn’t want to get into golfed with it. Can’t ask my sisters or anyone else really.
Foolishly I didn’t think I would need a guarantor - it’s my first baby and thought it would be a simple straight forward process with the only obstacle being the raising of funds to get myself through the door.

Do I NEED a guarantor? I understand the reasons behind asking for one, of course, but I have an impeccable history of rental payments and household bills. I have got into a bit of difficulty with my council tax once but that was sorted within a month, but would this show on a credit check? Maybe? I don’t own my car so can’t even put that down as collateral.

Really at a loss as to what I can do now, any rental experts out there who can offer any advice? I’m not in a position pay a huge lump of rent upfront as I’ll just be able to get together the deposit and first month rent needed in time.

Any help is appreciated! Thank you

OP posts:
Passthecherrycoke · 20/07/2019 12:23

HeadintheiClouds I take it you haven’t experienced trying to recover many debts Hmm you do have a tendency to pile into things.

Many people don’t understand how hard it is to recover unpaid debts. The point of them being a homeowner is to put a charge against their house. This guarantees payment from the sale proceeds, after the mortgage, when they sell or die. Until then, no guarantee of cash.

HeadintheiClouds · 20/07/2019 12:28

You can apply to the court for a order to force the sale of a house subject to a charge. The creditor doesn’t necessarily have to wait until you choose to sell or die first.

Passthecherrycoke · 20/07/2019 12:30

Not for some unpaid rent. It would nowhere near be important enough to force a sale if the guarantor lived in that house as their residence. Don’t be daft.

And I say that as someone who has both been a landlord and had a charge on her house for significantly more than the unpaid rent from an eviction process

Passthecherrycoke · 20/07/2019 12:31

Also my company - a freeholder -has thousands of charges against homeowners houses and have barely ever been able to force a sale. It’s most unusual. You’re talking about making someone homeless

HeadintheiClouds · 20/07/2019 12:33

Ok. If you say so. Op still hasn’t got them queuing up to do this for her, even though it’s essentially meaningless and unenforceable. Maybe they just don’t realise?!

Passthecherrycoke · 20/07/2019 12:35

Well I suspect lots of people don’t really think it through. If I was a guarantor for someone I wouldn’t pay up. It wouldn’t be worth their while. Unless they were the type to send the boys round

stilldontgiveaf · 20/07/2019 12:35

I personal,y wouldn't have told them you were going on maternity leave and use your last three months wage slips that they ask for. Circumstances change. Housing benefit no longer gets paid to the landlord so they wouldn't even know you were in receipt of it.

Passthecherrycoke · 20/07/2019 12:36

Yes Op you were crazy to tell them you’re going on maternity. Lesson learnt though keep quiet next time

HeadintheiClouds · 20/07/2019 12:37

Wouldn’t it fuck up your credit rating? Again, some people wouldn’t be bothered by this but many would?

Passthecherrycoke · 20/07/2019 12:47

If they lodge a debt against you, yes it would.

Passthecherrycoke · 20/07/2019 12:49

You’ve also got to consider the type of people who need guarantors- students who have little income but a mum and dad with steady jobs and own homes- yep, there is a good Chance they’ll pay up.

Families like the OPs were mum has an IVA, dad has some suspicious second mortgage and OP and sister are dirt poor? Chances of paying up aren’t high are they?

HeadintheiClouds · 20/07/2019 12:53

True, but they’d very likely fail to be accepted in the first place on those grounds you mention

Passthecherrycoke · 20/07/2019 12:55

Got an answer for everything haven’t you Grin they only check your credit file. That’s not even foolproof, my DH had a CCJ many years ago which only showed on 1 of the 3 main credit file companies records

Passthecherrycoke · 20/07/2019 12:56

So you could be shit with money or diet poor but as long as you haven’t defaulted on a credit agreement they’re none the wiser

FilthyforFirth · 20/07/2019 12:59

I am shocked your family wont help to be honest. You are soon to be pregnant and homeless and your dad wont be a guarentor?

Why dont you move in with one of them until you are back to work? Then you wont need a guarentor to rent your own place and can save up.

HeadintheiClouds · 20/07/2019 12:59

I see. I haven’t “got an answer for everything”, btw, this is a discussion?! I’m not denying your experiences, now that you’ve disclosed them Grin

Passthecherrycoke · 20/07/2019 13:00

Well You don’t know my experiences, but I guess you knew you didn’t have any so seems a bit odd to steam roll in challenging me

HeadintheiClouds · 20/07/2019 13:01

Fair enough.

Eliza9919 · 20/07/2019 13:03

What help and advice did you expect op, if the advice given so far isn't good enough?

What suggestions did you expect people to make? Confused

usersouthcoast · 20/07/2019 13:05

Have you managed to speak to LL OP? Any luck?

Eliza9919 · 20/07/2019 13:07

Also, what did you expect the council to offer you?

I know ppl with 2 primary age kids in 1 bed flats and the parents sleep in the front room. This is perfectly acceptable according to the council. These ppl are not classed as overcrowded now.

All the council would give you, if they ever offered anything, with a baby is 1 room. And they won't start proceedings to house you until the baby is actually born.

Antigonads · 20/07/2019 13:18

I'm sure your current partner wouldn't see you with nowhere to live.

And once you've established who the father is you can pursue them for financial support.

Alsohuman · 20/07/2019 13:35

Nasty.

Antigonads · 20/07/2019 13:40

If you are referring to me, the OP said she started a thread asking about how to get a DNA test for her unborn child. And she has another thread, referenced earlier, regarding her current partner and 'their' two year old child, and 'their' house.

goodfornothinggnome · 20/07/2019 13:55

Sorry OP, but I think you're in for a rude awakening in the next couple of months.

No landlords dont tend to say, you cant provide a guarantor that we have asked for, well move in anyway.

You've been given good advice here, but you seem unwilling to accept it.

There are documentaries on UC. You need to watch them, then understand how dire your situation is. Having given up your cottage was foolhardy to have said the least.

If there is any way at all to get that tenancy back, you should, then get your forms into the council. Whatever happens because I suspect you will need them for the very fact you will be relying on UC to pay a portion of your rent. UC rent portions often dont actually get paid according to programmes I have watched and people who I know. Something as simple as a bank holiday can see you lose a months UC payment that of course, your landlord will still expect.

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