Go fund me for a house deposit

[Glinda25]

Hi, would it be highly inappropriate to set up a go fund me to get the funds for a house deposit? Im currently private renting but the house is full of damp from top to bottom, its starting to affect our health, im asthmatic and my partner is diabetic, my chest is so bad at home and my partners sugar levels are always high no matter what he does to bring them down. The landlord has been made aware of the damp and has just said oh well see it will cost alot of money!! I've paid my rent and if ive ever gotten behind ive always paid up yet nothing in nearly 8 years has been done in this house, the place Is falling apart but hes not interested. I was thinking of going down the environmental health route only problem is that its all been verbal I don't have anything in writing. Hes now pushing for a property inspection but I feel like he's only doing it so he can turn it round on us and evict us!! Im at my wits end council are no help and only want to give us a 1 bed flat but ive got pets so its not ideal and even then I could be bidding for years!!! I just don't know what to do!! We both work full time and still don't have enough money to get a deposit together! Sometimes we have to choose between eating or staying warm!! So fed up!!!!

And how will you service a mortgage OP?

If you believe you can afford a mortgage, which you are not going to get with a donated deposit, surely you could put those funds towards moving to another rental?

Yes go right ahead and do it, but expect people to talk shit about you.

the daily mail is here!!!

Imagine being this ignorant?!

No you can't, sorry, but like another poster said you could may be ask for support getting a dehumidifier, they work surprisingly well. Open your windows for at least 5 minutes every morning and after cooking in the evening, whatever the weather, as it will reduce the humidity in your home, it's all to do with relative humidity, Which? How to reduce damp. Spin your washing twice, and dry in a dryer or outside if possible or next to the dehumidifier if inside. Use your extractor fan when cooking and in the bathroom, leave it on until the walls are dry. Do everything you can to reduce the damp. Then report to environmental health as you can't live like that, but you do need to do everything you can.
The diabetes your partner is struggling with is a real worry. Is your partner managing his diet ok?
https://www.diabetes.org.uk/living-with-diabetes/eating
Can you try taking vitamin D? It really helped my asthma no end.
I realise it's heartbreaking to consider rehoming your pets but you might need to accept the council's offer of the flat. Your pets won't fare well if you're too ill to look after them.
I hope things improve for you, best of luck.

Please ignore all the daily mail twats on here. Contact your local authority to ask for advice there are new rules about damp in private rental and he absolutely has to sort it out so please do this, he might try and go for eviction, maybe get on the list of a council place too just as a back up for now and absolutely set up a page and I really hope you get donations. The world is a really hard shitty place at the moment and it is so unfair!

Go for it. You never know do you. No one is obligated to contribute and you might just come across someone generous.

You might raise £3.50.

Respectfully, if you can’t afford to save anything at all for a deposit then you can’t afford to buy & maintain a house.
I understand a mortgage might be the same
or less per month than a rent payment, but what about the maintenance? If you have no spare money at all now to put towards a deposit then how would you afford to replace a boiler, get a leaking shower fixed, pay for roof repairs, replace guttering, fix a wall that was damaged…. These are all things we’ve had to find money for since we bought our own house, yet if we rented a landlord would be responsible for.

I think rental deposit maybe but lots of renters can’t afford a house and if you got the deposit would you be able to afford a mortgage

You know what, why not try? As long as you’re completely transparent and genuine you never know and I wish you much luck. It could touch a nerve with lots of people who are lucky enough to have secure homes. If you get the tone right it might work and why not? I love the idea of helping someone, even a stranger to have a safe home.

Try it, there maybe some people who have just had a bit of luck, some who want to do a random act of kindness. If you add a bit of humour or something people can relate to you may get lucky.

Take your money elsewhere. There are other rental properties that are not damp and there are more responsive landlords.

Plenty of people do it. They just do a "go-fund-me" from Mummy and Daddy.

A bit of shit talking in exchange for home ownership sounds like a fair deal to me.

You can try, but you might run into a problem with the rules about source of funds and gifted deposits.

@ApplesAreAmazing · Yesterday 22:21

No you can't, sorry.

Yes, she can. The OP has every right to start a GoFundMe to try to raise money for a house deposit. She has as much right as anyone has to start one. And you can start one for pretty much anything. The only restrictions are: if someone is trying to raise money for anything illegal, anything that promotes violence or racism or any kind of hatred, anything to do with gambling, or anything involving any kind of porn or sexual activity.

What the OP wants to do doesn't fall under anything that is disallowed.

People have started GoFundMes for new teeth, boob jobs, holidays, a new car, a cruise, and a multitude of things they want, but do not need. People do not have to give.

.

It's potentially illegal to put out a GFM for a house deposit? What about all those people who start them for holidays and experiences?

You probably would have to think about what you'd do if you raised some money, but not enough for the deposit. IANAL but I'm guessing it probably is illegal to use it for anything else (would certainly be immoral). If you don't raise £X by a certain date you would probably need to refund everyone. And I don't know what you'd do if donors had died or become uncontactable in the meantime.

Not a fucking chance.

Do people actually give to them though?

"It's potentially illegal to put out a GFM for a house deposit? What about all those people who start them for holidays and experiences?"

I didn't say it was illegal. If you're buying a house your conveyancer has to do anti money laundering checks, as does the mortgage provider, you have to show that the source of funds is legal and that in the case of a gift that is what it is. When I gave one of my nieces her deposit, I had to sign to say it was a gift and that I had no future claim on the money, I also had to explain where the money had come from. 500 gifts of £100 from people unknown to you isn't going to cut it, as it could be payment for 500 bags of finest Colombian. Selling holidays and experiences is not subject to financial regulation in the same way. Once you've had your holiday or experience, unlike a house, you can't sell it to somebody else.

Surely you get round that by phrasing it differently e.g. 'raising money to improve our living standards'. You can include if we get this much it will be for X and this much for Y and that much for Z.

Thinking about it, what would be the difference between this and getting the deposit donated by your family?

Of course, your parents are more probably to be willing to donate then general public. But, once you get the money, there is no good reason to consider one fine and the other embarrassing.

Of course starting the crowdfunder and failing might be embarrassing, but that's the OP's risk.

Nothing, you're still subject to the same rules about gifting, source of funds and money laundering.