Please help

purplepinhead

Hi everyone

Am new here and have a few questions ?

I have debs of £35.000 and have been with the cccs who have advised me to go for bankruptcy. I was renting a place and a friend of mine said i could live at his as he works away a lot and i would be doing him a favor looking after the house. I pay the bills and give him some money for rent. will this be classed as an interest to his property by the OR and also we have nothing in writing -- how do i stand and i really dont want to drop him in it as he has been a life saver to me and my son. :A

Any advice please

Thanks

fiveyearplan

Welcome to the board! No, renting from your friend would not mean you have any interest in his house. Can you get him to give you a rental agreement so the OR can see you are paying him rent? It wouldn't drop him in anything! If you do decide BR is the best option, why don't you post up all your income and expenditure so people on here can give you some advice.

purplepinhead

Thanks for advice. I have had advice from ca/ndh etc and it is my only way. I have been in this mess for over three years and it has come to a head and i need to sort it.

dalip

Purple welcome. Thats what happens to all of,we struggle and worry for so long as bc really is the last resort for most of us.Don't worry,i know thats easier said than done,but we will help with any question you may have. Don't worry if you think they are silly if an answer eases you mind then it's worth asking it. D

k2nga

I think you should be ok just to put your friend as your Landlord on you BR forms.
I rent privately and had to put down the name and address of my landlord but the OR has not asked me to provide my rental agreement.

purplepinhead

Thanks all for the reply it has helped.
I just feel !!!!, Is it as bad as i think it will be ?
You are so good here i don't think i could go through this alone.
Thanks again

Dez-Titute

Hi Purp,

No It's not as bad as you imagine.It's a bit like when you were a kid and went to the top board at the swimming baths made you feel sh!! scared but after you'd jumped wondered what all the fuss was about.

Hope all goes well,


DEz

GettingHopeful

I am in a similar situation, no rental agreement on where I am living. The CAB said to class myself as a "lodger" not as a tenant. It goes under 8.3, describe the arrangement, and in the final column where it says "is there a written agreement?" put "No - lodgings". In effect you do have some interest in the property - not necessarily a direct financial one - as you live there.

The OR wrote to the property owner and asked a few questions - confirm details, rent, whether written agreement or not, were there any arrears, was I under notice to leave. He responded appropriately and that was the end of it.

All the best.

dalip

Dez-Titute wrote: »

Hi Purp,

No It's not as bad as you imagine.It's a bit like when you were a kid and went to the top board at the swimming baths made you feel sh!! scared but after you'd jumped wondered what all the fuss was about.

Hope all goes well,


DEz

Not nice dez,that is a noise of escaping air from the asending colon,uncontrolled by the anal spincter:rotfl: or at least it was in my day. Sorry or being flippent purple:o could not resist.D

skylight

You can pick up a tenancy agreement from anywhere - WH Smiths etc, or pop onto the houses board as they post them there quite regularly for a cut/paste/amend/print/free job! Or buy a rent book from most good stationers.

If you put down on your forms you are renting, the OR will want to see a tenancy agreement or rent book.

PixiePie

We are renting, but don't have a rental agreement/contract (we did at the very start, but had to give it back to the landlord for him to sign his bit and he then lost it), and I told the OR that - I just gave him the phone number/address of the landlord and he wrote to him to ask how much rent we were paying/arrears etc etc and he wrote back and answered the questions. Haven't had anymore than that and we are still here 11 months later, so I'm guessing it wasn't a problem - my landlord wouldn't have sent a contract, as he is pigging useless so don't worry about it - if you don't mind/your friend doesn't mind having to confirm via letter the details you don't nec. need a contract.