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Original poster

CCJ & renting

66 replies

PointlessNow · 23/05/2022 11:19

I don't think there's any advice out there for me but might as well ask.

I'm in a very dark place. I wasn't sure weather to post this here or mental health. I just don't see the point in trying any more.

My partner left 5 years ago & I found out about debts he had in my name that I wasn't aware about, bills that were in my name that as far as I was aware were all paid off (but weren't) things like that, through various phonecalls from various debt companies.

Sometimes I set up payment planes, made payments, then didn't pay. (I can't afford it.)
Sometimes I ignored them.

Then I got a letter saying I had 14 days to stop a CCJ. I left it a few days then contacted CAB who took a while to get back to me. I did nothing & waited for CAB. Too late. CCJ now can't be removed.

It's all my fault.

I'm not working, I'm on Universal credit, nobody is going to rent to me with this CCJ are they.

What's the point? I can't manage decent housing for my family. I've messed everything up. My ex is happy & moved on & I'm stuck. Just stuck. I can't get out of this hell hole & he will always win. He will win for the next 6 years while this CCJ sits on my credit record.

There is no point in me bothering anymore, is there? What is the point? All I wanted was to move so my children could have a bedroom each & I've fucked that up as well as everything else.

Before I met him I never paid a bill late. Perfect credit. Now I've fucked it all up. I don't deserve my children.

OP posts:

UggyPow · 26/06/2022 19:16

@PointlessNow How are you doing?
Have you tried Stepchange?
Just trying to think of things that might help

flowercrowns · 26/06/2022 21:35

Has anyone advised you on a debt relief order or bankruptcy OP? x

Original poster

PointlessNow · 27/06/2022 17:27

flowercrowns I'm not going bankrupt because of what he did, unless I have absolutely no choice.

It's less than £3000 altogether. Which is a HUGE amount to me when I'm on benefits & barely keeping my head above water every month, but not much in the grand scheme of things.

UggyPow I'm not doing anything right now but I will, thank you for the support.

OP posts:

Itsnotmeitsyouhun · 27/06/2022 18:12

PointlessNow · 27/06/2022 17:27

flowercrowns I'm not going bankrupt because of what he did, unless I have absolutely no choice.

It's less than £3000 altogether. Which is a HUGE amount to me when I'm on benefits & barely keeping my head above water every month, but not much in the grand scheme of things.

UggyPow I'm not doing anything right now but I will, thank you for the support.

Debt relief orders are an alternative to bankruptcy. I know you said not unless you have to but your talking about not seeing the point in living... that sounds like breaking point to me.

A debt relief order will have very little day to day impact as (I'm assuming) you have no assess and your credit score will already be shot to pieces. It means that your debt will be essentially written off and creditors can no longer chase you for them now or ever.

Itsnotmeitsyouhun · 27/06/2022 18:14

And actually in a debt relief order it sounds like you be better off because they would stop taking money from your benefits too.

Original poster

PointlessNow · 27/06/2022 19:02

itsnotmeitsyouhun Yes I know about debt relief orders. And I know people are trying to help. But reminding me that my credit score is already shot to pieces & that I have no assets isn't helping much.

I will work something out, thank you for the advice everybody.

OP posts:

Itsnotmeitsyouhun · 27/06/2022 19:57

This reply has been withdrawn

Withdrawn at poster's request

Original poster

PointlessNow · 27/06/2022 20:04

Itsnotmeitsyouhun You aren't helping.

OP posts:

Itsnotmeitsyouhun · 27/06/2022 20:14

I deleted my experience of a DRO as I didn't want to be outing. I was abused and used as a credit machine for an ex who left me with £18000 of debt, I have an injunction against him now, I've been where you are but I will say, the relief was immense when it was finally over.

Good luck OP with whichever route you choose.

PlntLady · 27/06/2022 20:21

Dont loose hope! I have been in pretty much this exact situation.
You need to check your credit files as an other defaults will appear on there. Personally I set up am iva to consolidate everything, reduce the debt and more importantly give me legal protection against the constant harassment. This helped so much!
You can rent with a CCJ. It will be more difficult - you may need a guarantor (what I did) or to leave a large deposit. Speak to you local housing associations.
It will get better! I had 2 ccjs and an IVA on my file in 2016. It's now 2022 and me and my new partner just bought a house 50/50 on the mortgage. We found a broker, was honest about my situation and got a mortgage with a slightly higher apr.
Good luck!

Original poster

PointlessNow · 27/06/2022 20:21

Itsnotmeitsyouhun If you've been where I am then I'm astonished that you don't have more empathy.

You said I've not taken any advice, you are having a go at me which is not helping.

I'm doing my best. You've put your point across now please leave it.

OP posts:

Original poster

PointlessNow · 27/06/2022 20:25

PlntLady I'm glad your story had a happy ending, that's really nice to hear.

Any further action is on hold right now so nothing is getting any 'worse' so I'm allowed to take some space (while having a little panic on here the other day!) Before I do my next step.

OP posts:

MrsMoastyToasty · 27/06/2022 20:28

You need to get whichever debt advice agency you use to get copies of the original agreements with the companies owed money so that they can compare your signature with the ones forged by your ex. They will also probably ask you to report it to action fraud or preferably the police, do that when the agency looks into the matter further the loan companyies made well aware that they allowed fraudulent applications .

Original poster

PointlessNow · 27/06/2022 20:34

Thanks MrsMoastyToasty I will do, but I don't imagine he signed anything, I think it was all done through 'my' email address.

OP posts:

PlntLady · 27/06/2022 23:48

One thing maybe to mention... I managed to get some of my smaller debts written off by appealing to the creditors and sending complaints emails about how easy it was for my ex. He controlled all my finances, online banking and emails. What he did is call coercive control. I wasnt thing in law for me when I was in my relationship so I couldn't use it but it might be worth considering if this is a road you could peruse. I dont mean to make assumptions but from experience it sounds like there may have been an element of this at play. If not its fraud at the very least.

Original poster

PointlessNow · 28/06/2022 04:24

Thanks PlntLady I'm really glad that worked for you & gave you some relief.

I couldn't question anything about bills as he would scream at me that I didn't trust him.
He got us into trouble with the rent & then didn't even pay the back payments... I had no idea until the letting agent manager phoned to speak to me personally, told me to go to a room by myself, & then asked me if I was aware that he wasn't paying & we were about to be kicked out. (Kind of them. They knew what was going on)

Rent was taken from my account after that day. And I should of left him. I know.

OP posts:

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