The 'I want it NOW!!' debt/savings thread Part 2

MrsTinks

For some odd reason I feel all down today - Despite both items from last night having been paid for and both are sat ready to be shipped first thing tomorrow - plenty of watchers on the DS game finishing tonight too - but still feeling down!
I wonder if it's just a come down from last nights euphoria and extreem tiredness from Roo bouncing in the belly until well gone 2am and then waking up again at 8:30? *sigh*
I know deep down it's probably hormonal and tiredness but I hate feeling this dejected
*sigh* Might go and see if I convince myself to have some breakfast and see if that makes me feel better...

Nichelette

Hmm, maybe I'll have to look ino it...must get moving, need to leave the house in 15 mins or I'll miss my train!

moneymabel

Aww Mrs Tine-have some brekkie and a cuppa and you'll feel better, yes it's probably tiredness and hormones but that doesnt help you much!!

well done on your ebay sales!!!!!!!!!!!!1

jenjade

Mrstine sounds like hormones during pregnancy to me. spend some time chilling out and listen to your body!

mariagti

Mrstine your doing so well on your ebay selling and dooyoo. I hope baby lets you have some sleep tonight.

lilmissmup

Morning all,

Sorry to hear that Maria. My OH had a CCJ i think years ago, I don't think our letting agent bothered with a real credit check though even though we paid for it as TBH i don't think he would have passed.

If you rent from a private landlord they won't check your credit hun x Our first flat was a private rent.

jenjade

The house buying board guys have been very very helpful. I think my best bet is to stay here for 9 months watching house prices and saving like a nutter then see what is happening!

lilmissmup

That my plan too, save for at least another year then see what happens, i really want to get the £20k deposit before we buy so i can have a really low mortgage.

MrsTinks

Most letting agents should do a credit check - I used to be one
The purpose is obviously to ensure you can afford the rent and that you have a good history of paying things on time.
Some letting agents will allow you to rent if you can provide a guarantor - they must then be credit checked and if you don't pay the rent or run off and leave the property damaged they will be responsible for the damage or money...
Private landlords will often merely ask you for a couple of references and a deposit - I would say if you have a poor score and can't get a guarantor then going through a private let is the best way - make sure you still get a proper tenancy agreement though

jenjade

Wow it is amazing how much knowledge we have when we put our heads together!