Being made homeless

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Rofflay said:
Do yourself a massive favour and stop using forums for personal problems and use Citizen's Advice instead. At least there you will not get arrogant and **** take responses from people still living in mummy's basement.
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I'm not sure American stereotypes apply that well to a mostly UK forum... its especially odd if you're actually from a part of the UK. Do many houses over there have US style basements? IME they don't tend to over here on the mainland.

Suggesting a flat share is hardly arrogant - its what lots of other people would do or did do in his situation...
 
Diagro said:
How can you have debts from Ur dad? Get a house share or rent a room. If Ur lucky can get one for 250 quid a month.

best sell all Ur stuff quick
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What an arrogant post. His relationship with his father is obviously not great, as the OP has explained. This obviously involves money and he's stuck in that situation. No need to act like that, particularly when someone really needs help.
 
I pay 420 per month in a tower flat!!! Its retarded! Your 26 low wage you get working tax credits you easy afford a single bedroom flat. If it get s too much quit job and go on the dole. Everything is free and your debts will all go to 1 pound each :)
 
weehamish said:
I pay 420 per month in a tower flat!!! Its retarded! Your 26 low wage you get working tax credits you easy afford a single bedroom flat. If it get s too much quit job and go on the dole. Everything is free and your debts will all go to 1 pound each :)
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Captain Coherence.
 
krisboats said:
Two weeks is plenty of time. Get onto a house share website, find somewhere suitable and pay your way. I know it probably seems like a massive step right now, and in all honesty it IS a big step. But it isn't a hard one ;)

My last house share was an expensive one in an expensive town for rentals and it was still £380. I'm a cleaning supervisor and my pay/hours aren't great and i had some pretty big monthly debts going out. I managed it and am coming out the other side now better off..
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Lmao thats not expensive, my brother in law pays £700 pcm for a double room i Hammersmith, whenever i feel down i always think of this and have a good laugh, my whole mortgage and bills come to a little under £800.

Anyway back on topic, OP if i was you i would take bits of advice from eacb person here,

1) c.a.b
2) local housing authority
3) when settle get a better paid job
4) save, save, save
5) find somewhere nice to live
6) ftw
 
Entering into an IVA isn't to be taken lightly. It will basically rule you out for any kind of finance for, what, 6 years? Also, it could effect your ability to rent (credit checks) and even potential job opportunities, I know my misses' work (an investment bank) won't touch someone with a bankruptcy on file, due to the increased chances of fiddling the books I imagine.

Has OP stated how much the debt is yet, I might have missed it?

In any case, go to CAB. Sometimes what looks like insurmountable odds just need a fresh set of eyes and a sound plan. Good luck OP
 
craptakular said:
Declare bankruptcy/IVA, find some cheap digs. Apply for better jobs.
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This.. Not the easiest option as it may cause you problems with certain jobs but on your wage I would say it wouldn't effect renting as it would be housing association rather that private renting. Once that is done you can get your life on track. Break ties and move on with no contact or even telling them where you are living.
 
You are a 26 yr old single man in full time employment, the housing executive will do precisely nothing for you. Emergency accomodation is for the 'vulnerable' ie families etc. You have 2 weeks to find a cheap place to live, get on gumtree, find a room and sort yourself out.
 
Traffic_Warden said:
Excuse me? This is the truth. How can you expect to blame another person for loans/whatever you sign for? That's stupid. Grow up.
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You must find traffic lights a bitch what with your black and white vision :rolleyes: Arrogant posts offering nothing is not unusual to GD but it still doesn't mean every thread should have one. He may have tried to help them by borrowing money only to be let down when it was time to pay him back. Hardly a time to be pointing fingers is it.

weehamish said:
I pay 420 per month in a tower flat!!! Its retarded! Your 26 low wage you get working tax credits you easy afford a single bedroom flat. If it get s too much quit job and go on the dole. Everything is free and your debts will all go to 1 pound each :)
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Full time employment at minimum wage and I very much doubt he would qualify for anything.
 
=XDC=FluphyBunny said:
You must find traffic lights a bitch what with your black and white vision :rolleyes: Arrogant posts offering nothing is not unusual to GD but it still doesn't mean every thread should have one. He may have tried to help them by borrowing money only to be let down when it was time to pay him back. Hardly a time to be pointing fingers is it.



Full time employment at minimum wage and I very much doubt he would qualify for anything.
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Ofc he will min wage for 38 hours is under 250 after tax! He will easy get working tax credits and most likely the full amount. Hes just immature for his age thats all. Will take him a few weeks and hell love his own space!
 
if they aren't your debts, don't pay them. There's a difference between being kind and being a fool. No matter what the relation, if debts are out of control, it's the owner of those debts responsibility. Paying someone elses bills doesn't help them. They don't learn and you are now up the creek.

Stop paying debts that aren't yours, if they are in your name, move them into your dads, if he doesn't accept it, take him to court. Not your problem.
 
I would like to know a bit more detail from the OP about the debts and his circumstance before passing comment
 
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.
 
Seriously, from what you've said there you either need to go for bankruptcy or make your idiot of a father realise that he's spent nearly 10 years taking the **** and to take some responsibility for what he's done.

Failing that i'd start taking it out of his hide.
 
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