Aibu to ask them to waive the need for a guarantor

[Tiredunicorn55]

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

Not sure on that one. I read somewhere that in some countries if you are on the verge of starving to death you can steal food to keep yourself alive yourself and it not be classed as stealing, therefore no criminal action can be taken against you, if that’s what you mean.

Where is your 2 year old living at the moment then? Bit odd that you've called yourself a first time mum on this thread

Yeah you’re not the first person to say that but she is in need of the money and as I don’t have any dependants outside of the womb, I didn’t feel moral just taking it off her for free as she has a little girl herself

My two year old? I don’t have one? This is my first baby

www.mumsnet.com/Talk/am_i_being_unreasonable/3637160-Aibu-to-think-we-could-all-just-get-on

I'm sorry you've had to put up with so much criticism and sarcasm on your thread, OP. Here's a link that you may find useful.

Oh if you are referring to another post the 2 year old is my partners child but I treat his children like my own bit this baby will be my first biological child. The partner is not my baby’s dad and I don’t live with him and it’s not an option to live with him. It’s been very complicated up to press.

I have also posted in pregnancy asking for reputable dna testing services, would you like me to copy and paste that one?

@Breastfeedingworries No one should rent to someone without a guarantor in my opinion!

Excuse me?! Where do you expect other people to live then?! Council/social housing is wayyyyy outstripped by demand as it is! There's just not enough of it!

I'm disabled with an income of £26k however despite my Mum owning the family home outright, she's now retired as was my Dad before he died. Nowhere will accept retired guarantors unless they receive £30k+ in pension.

So where exactly do you suggest people without guarantors to live then? Sewers?

Don't delete your account unicorn - but don't post in AIBU again. As you have seen it can be vile for no particular reason. Post in chat in future. Or some such. But NOT aibu.

I hope you get it sorted I really do. Congratulations on your baby and I do hope all goes well and you find yourselves a lovely place to live

My mind set is current set at ‘sod them’ ha ha but thank you and thank you to the person posting the link it was helpful.

Never had a problem posting here before but tonight I got battered ha ha guess some people have never made a bad decision. I envy them 😉

also don't tell everyone here your business. Posters can be just nosey a lot of the time. Time and again posters wanted to know where the father was and you didn't want to say - your prerogative! don't tell anybody anything if you don't want to - none of their business xx

My apologies OP, when you posted about your 2 year old I thought that meant you had a 2 year old. And when you said 'our house' about where you and your partner live I thought that meant you lived together in a house. My mistake of course.

I think I am quite big for 5 months. I have a trapped nerve in my back and struggle to get about some days so yeah I would class myself as heavily.

Already responded to the two year old comment :)

Well like I said in a previous post I’m not one to scam the benefit system hence why I want my own house so I can live alone with my child. Am I ok to have a partner and yeah might of said our two year old because he’s a lovely little boy and I love him like my own and our house because I come up quite a bit and my house was also called ‘our house’

The lives that some people lead 😳

Terrible isn’t it

Slightly amazed that someone said 'the lady that said about the b+b place wasn't trying to be rude' after this comment from said lady:

*Well, once you've disengaged your sarcasm mode, just console yourself with the thought as you're putting your baby to sleep in a B&B room that you gave up an entire house because you thought it wasn't good enough for you. Because I can assure you that it will seem like a blissful dream once your'e listening to families of five in the room next to you.

Like I said, ask your landlord to let you renew the contract. Or you are, quite simply, fucked.*

What would possess anyone to speak to a single pregnant woman about her potential homelessness in such a tone?!

wrll I guess it won’t just be me and my baby it will be my two year old as well. I’ll have to ask his proper mum first though if he is okay to stop over ha ha ha

No wonder people change their names on here. If something isn’t conventional then Jesus wept I best get my ass on that cross ready to be crucified!

Your partner has a two year old with a woman he doesn’t live with, and he’s involved with a pregnant woman who’s baby isn’t his.

You really are living the dream

Somebody who doesn't want a single pregnant woman to end up in that position because she thinks 'oh, it won't come to that', so is being blunt to get across that yes, it bloody well can and there's a way out of that situation.

But hey, I'm obviously just being mean. Ignore everything. It's not real and Everything Will Be Awesome.

Op ignore the overgrown school bullies on here. I lived in a 1 bed house when DD was born then LL decided to sell when she was 1 week old. Took 6 months to find somewhere, it's really hard, even with my partner working. That rent guarantor service looks great though!