Being made homeless

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Thanks for all of the advice guys. My head has been melted all day, so much to think about hence late reply.

So when I was younger, I got two credit cards (£3,000 on each)... one for emergencies and the other for driving lessons etc. My dad was struggling apparently so I gave both cards to him on the basis that he would pay them off (that was 8 years ago) and the balance on both are still pretty much the same (he's been paying the min payment off each every month for 8 years).

I know this was my own stupid fault but I was only 18 and I trusted him. Well, he's stopped paying the cards now and that means I need to. Now, I don't agree with debt getting written off etc. as I got these so I need to pay them but it's hard especially when I didn't use any of them. Last year he was struggling again (I'm weak) so I got an overdraft for £1750 and gave him that.... he's not pay any of it off. I know now after all of these years that I've been manipulated, used and taken for a complete mug but that's my problem... I trust people too much.

I know people are going to judge me on OCUK but again... I trust people which was obviously a mistake.

I have debts because I lost my job and other stuff happened and I can barely afford to live as I pay out about 65% bills each month and I've already cut back on everything... The bills that come out of my account each month are debts.

Headbutt the loser then write it all off. On mine wage you'll never pay off 7k+ in a decent time frame without living like a true pauper, so don't bother.

As stated though, you won't get any housing help. Find a mates to crash at, then save save save. I don't know what rentals are like in NI but 800-1k will see you for a deposit and a months rent.
 
WHat would I do if in that situation then...

Try every means possible to remove myself from the debt that was racked up by the father.
Being a **** can work both ways and if you have no bond left with him I'd just go down the road of "forced to keep quiet after Dad stole my credit cards"
Bring the house down on him and walk away from everything.
But then I am a **** and you are too nice. :D
 
Thanks for all of the advice guys. My head has been melted all day, so much to think about hence late reply.

So when I was younger, I got two credit cards (£3,000 on each)... one for emergencies and the other for driving lessons etc. My dad was struggling apparently so I gave both cards to him on the basis that he would pay them off (that was 8 years ago) and the balance on both are still pretty much the same (he's been paying the min payment off each every month for 8 years).

I know this was my own stupid fault but I was only 18 and I trusted him. Well, he's stopped paying the cards now and that means I need to. Now, I don't agree with debt getting written off etc. as I got these so I need to pay them but it's hard especially when I didn't use any of them. Last year he was struggling again (I'm weak) so I got an overdraft for £1750 and gave him that.... he's not pay any of it off. I know now after all of these years that I've been manipulated, used and taken for a complete mug but that's my problem... I trust people too much.

I know people are going to judge me on OCUK but again... I trust people which was obviously a mistake.

I have debts because I lost my job and other stuff happened and I can barely afford to live as I pay out about 65% bills each month and I've already cut back on everything... The bills that come out of my account each month are debts.
Jeez what a dick of a Father, I'm so sorry he's done that to you. Get down to the CAB, they may be able to offer you some advice on this matter.

If I may pry, how has this affected the relationship between you and your Mother? It doesn't sound fair that she would throw you out knowing what he has done to you.
 
Rent in NI is ridiculously cheap, compared to London. I was renting a lovely newbuild 2 bed apartment for £560/m, and that was classed as expensive, about 20 minute walk from the city centre. That kind of money probably won't get you a single room in a house share anywhere half decent in the big smoke :p

OP, still go to the CAB and book an appointment. I would be hesitant to go down the IVA route myself. Would rather beat my dad to a death and sell his organs tbh
 
Is debt consolidation a realistic option? From somewhere reputable, though...if those cards are with the same bank, perhaps explain your situation and see what kind of help they can offer of what kind of debt management they can offer.
 
I just put "NI bedsit" into Google..

Trovit came up with a 1 bedroom, 2 bathroom bedsit for £240 a month. BOOM, no longer homeless. (if you live in Belfast :D )
 
Have you also looked in your local newspaper for people letting out bedrooms in their home? If that's still done nowadays?

Might be cheaper then some other options also.

Looks like you took an "understanding" pill ?

Nice advice for a change,there's hope for you yet.... Try not to be so judgmental In future and wait for a little more of the background story to come out ay.. :rolleyes:
 
I know this was my own stupid fault but I was only 18 and I trusted him. Well, he's stopped paying the cards now and that means I need to. Now, I don't agree with debt getting written off etc. as I got these so I need to pay them but it's hard especially when I didn't use any of them. Last year he was struggling again (I'm weak) so I got an overdraft for £1750 and gave him that.... he's not pay any of it off. I know now after all of these years that I've been manipulated, used and taken for a complete mug but that's my problem... I trust people too much.
[...]
I pay out about 65% bills each month and I've already cut back on everything... The bills that come out of my account each month are debts.

while its very noble of you to want to pay your debts I think you ought to have a rethink... in general yes people should pay debts and not take the mickey but now you're in a situation where that might not be feasible... whilst I think the 'I'm going to be homeless' thing is a bit dramatic (you're in employment, single, male... go find a room share) the debt thing is going to be a serious burden as a result of your change in circumstances and you really ought to get some advice about managing it - this could well involve restructuring it or even having some of it written off. Banks do account for this when lending and while you might have made a few mistakes I wouldn't beat yourself up about it... its not like banks themselves have ever been recklessly exposed... oh wait.... basically be a bit more pragmatic about the debt and go seek some proper advice... don't be too proud about having to paying it all off if it means you'll be seriously struggling as a result.
 
Rent in NI is ridiculously cheap, compared to London. I was renting a lovely newbuild 2 bed apartment for £560/m, and that was classed as expensive, about 20 minute walk from the city centre. That kind of money probably won't get you a single room in a house share anywhere half decent in the big smoke :p

OP, still go to the CAB and book an appointment. I would be hesitant to go down the IVA route myself. Would rather beat my dad to a death and sell his organs tbh


£560 is expensive where i come from there are a few recently built homes that rent for about £310 a month. That is a two bed and very nice and modern as most are only ten years old with FTTC access too. Infact i would love to get my hands on it someday as its almost like an enclave. If it had a gate agreed with all ten neighbour's and we put on an electronic gate there would be 12 parking spaces in the square out front too for all of us.

The only problem is while seriously beautiful there are no real local jobs. But Belfast is at most a 2 hour commute from even the furthest reaches of Northern Ireland too. Dont tell the rest of the UK though ! ;)
 
Some very nasty people here that must have always had things easy.

The shelter stuff is sorted, you wont be homeless if you take action, this is where a LOT of people really fall down, they just bury the head in the sand till its too late.

Not sure if anyone said, but maybe also talk to some Debt people, explaining things, a lot of the time they can organise much better ways to mange the money.
 
I appreciate that you don't agree with writing off debts etc, and the fact you want to pay it is admirable. Realistically though, you aren't paying anything off except for interest... you need to bite the bullet and get help, get it wiped out, and start again.

You admit it yourself, you can barely afford to live, and without anywhere to live you're starting down a long slippery road. An IVA/Debt management plan would at least mean you pay back what you can.
 
Its been very strange reading this thread, because approximately 6 weeks ago I bumped into an old acquaintance who had fallen on hard times, heres what we have been through so far....

I saw "dave" stood at a bus stop and pulled up to see if he wanted a lift, he said yeah and in he jumped, I asked where to, he said some dive B&B in a town close to our village.

We got talking about why he was there and basically he had fallen out with his girlfriend, and she kicked him out. he had been to the council who said that he wasn't a priority and that he should "sofa surf" until his application to bid on social housing properties was processed (up to 6 weeks!)

I should add that Dave is unemployed and has been looking after his girlfriend who has a rather serious heart problem, and his little boy who is apparently autistic and quite a handful.

Anyways when dropping him at the hotel I did the friendly thing and said if there was anything I could do to help just give me a shout.

4 days later he was on my doorstep asking if I could put him up for a few nights...he had ran out of money for the B&B, and spent the previous night rough in a local park!

Fast forward to now, he is still sleeping at my house, trying to find a job....I have been to the council offices with him who went through what limited options he had, which amounted to bouncing between friends houses. I asked the question why nothing could be done and the lady said (in her words) "Dave is quite simply not a priority, he is not a female, he does not have a child with him, he does not have drink or drug dependencies, he is not mentally or physically disabled and he is not an ethnic minority....I wish I could do more but the system simply does not allow fast tracking etc"

I was absolutely gobsmacked both with her reply and also that the "System" would allow him to be in this situation.

So far Dave has been in touch with 2 local homelessness charities, the council, social services, CAB and also our local councillor....nothing from any of them.

The scary thing is that when he is able to bid on properties the cheapest ones in our area seem to be costing about £83 per week, as far as weve been told the council will contribute £55 toward his rent....where will he find the other £28 to make up the shortfall?

I know that a job is key to solving this problem and he has been applying for jobs, walking round shops and factories asking for work etc but so far nothing has come up.

So like I said, here we are 6 weeks later...hes still sleeping on my sofa, and it feels like he is no further forward at all.
 
There was a scheme started here a while ago that got young single people who were on low wages/students and desperate to find accommodation joined up with elderly people who needed someone around their 'big' empty houses, not to 'care' for them but more as company, to me it seemed a very good idea although obviously not for everyone.

Also with you being in NI I guess there's going to be whole areas that are out of bounds or not really ideal for you depending where you come from, but again I reckon you could use this to your advantage a bit and go see you local Church/Chapel whatever and see if they could help, talking to your Local MP can also grease wheels very quickly with the Council Housing Office as can letters from your Doctor concerning your Mental Health with regards becoming homeless.

Funny isn't it how the single white guy in the UK is completely ignored by the Govt. until there's a War on and then they suddenly want you to go and die for them... ;)
 
"Dave is quite simply not a priority, he is not a female, he does not have a child with him, he does not have drink or drug dependencies, he is not mentally or physically disabled and he is not an ethnic minority....I wish I could do more but the system simply does not allow fast tracking etc"

I was absolutely gobsmacked both with her reply and also that the "System" would allow him to be in this situation.

De-railing the thread slightly. But yea its funny that isn't it some might even call it being racist :eek: but oh no you cannot be a victim of racism if you are a white male. You're just ****** and need to take it on the chin.

As to the OP, hope all goes well for you there has been some good advice in the thread.
 
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