Giving up secure tenancy to private rent :(

Oldernotwiser

KatieShopstoomuch wrote: »

Thanks for those links!!! and thanks for relying, i'm going to ask a family member tonight if they would consider being guarantor for me but i've a feeling they won't simply because i've had debt problems the last year or so, this may put them off doing it

Thanks anguk, i did this with their local housing office and the woman sounded horrified that i actually asked her reply was 'we have no such thing'. I could check the local council though thanks

If they've had debt problems themselves they probably won't be acceptable as guarantors anyway.

As far as LHA is concerned when you're a student, all your student funding will be classed as income, exactly as if you were earning this much. It's then set against your IS/LHA amount and topped up if this is below the eligible levels. Of course you won't have council tax to pay when you're a full time student.

KatieShopstoomuch

No they've not had debt problems they could buy me a house if they wanted to lol they just may be nervous as i've not got a good track record with looking after my money ie - they are always bailing me out! I'll be asking them this evening anyway so fingers crossed

So if i pay part rent out of my bursary could i tell them that LHA would just pay a part of it. I know i will lose income support and my bursary will be roughly £8730 (that includes adult learning allowance and dependent allowance) so maybe i won't get any houseing benefit/lha.

It's so confusing

Oldernotwiser

KatieShopstoomuch wrote: »

No they've not had debt problems they could buy me a house if they wanted to lol they just may be nervous as i've not got a good track record with looking after my money ie - they are always bailing me out! I'll be asking them this evening anyway so fingers crossed

So if i pay part rent out of my bursary could i tell them that LHA would just pay a part of it. I know i will lose income support and my bursary will be roughly £8730 (that includes adult learning allowance and dependent allowance) so maybe i won't get any houseing benefit/lha.

It's so confusing

Sorry, I misread your earlier post and thought it said THEY'D had debt problems but I can see now you said that YOU had!

Why don't you see your lone parent adviser and ask if they'd run all the figures through for you. You shouldn't be any worst off as a student than you are on benefits but you should be on roughly the same level.

mlz1413

OP if you have lived in Ireland all your life does that mean your parents have moved away? Also do you wish to return to Ireland when you are qualified and working?

If so would your parents consider moving to ireland for the time you need the child care, could they live with you to allow you to do the shift work in Ireland and keep your home?

tbs624

anguk wrote: »

You could get in touch with the local council/housing office for the area you want to move to and ask if they know any private landlords who will accept DSS. I think our local council has a private landlords register.

Some Councils run accreditation schemes for private LLs - some don't. KatieShopstoomuch - your Uni will have an accommodations officer who also keeps a list of LLs who are Uni-approved. Their properties generally have to meet additional criteria, including providing elec safety certs (not a standard legal requirement except for HMOs) as well as the usual gas safety certs etc. The LLs also have to sign up to a code of conduct.

The local LL Association should be able to help by letting you know which LLs self-manage their properties, because LAs will charge large admin fees in addition to tenancy deposits and advance rent.They will also to be able to advise which LLs will take students/those on benefits.

You say that you have had debt problems - if you have CCJs etc & a poor credit rating it is likely that you will need a guarantor, who would need to be a home owner. You will be expected to pay the LL's cost for a credit check, because the terms of their mortgage/insurance may require that they only take on properly checked tenants.

If you are moving to be near family who can help with childcare can you get a part time job?

KatieShopstoomuch

Yeah i think i will have to see the lone parent advisor, my mum lives in isle of man now and has just taken on a mortgage. There is only one family member here in ireland and it hurts me the thought of leaving them but they agree i have to do what is best for myself and my daughter, in England is my gran and her husband and also my auntie. I doubt i'd return to ireland i don't think it would be fair on my daughter to keep moving her about, also in england she will have more family around her if anything was ever to happen to me.

KatieShopstoomuch

Thanks for your advice tbs, i haven't any CCJs but i have several missed payments from when i fell behind last year. Hopefully i can talk my grandad into being guarantor, although he's now retired but he owns his home.

I'd thought of getting part time work but after speaking to other nursing students they've said it's difficult unless i get something really flexible as placements i will be on will be earlies, lates and nightshifts and also a few weekends.

tbs624

KatieShopstoomuch wrote: »

....I'd thought of getting part time work but after speaking to other nursing students they've said it's difficult unless i get something really flexible as placements i will be on will be earlies, lates and nightshifts and also a few weekends.

It can be difficult juggling it all but you have to remember that some students will be in better financial position than you are and what they may see as "impossible" (purely because they can afford to look at that way) may turn out to be workable for you, because you are motivated. Maybe enquire about signing up for occasional "bank" work as an auxiliary nurse/healthcare assistant - you'd obviously have to let them know when you wouldn't be available but it can provide valuable experience plus the extra money..

456789

Considering that one of your posts says you will be leaving with just a suitcase - is their any chance you could stay with one of your relatives for a while initially? It should allow you to save up some cash plus your daughter might find it easier than moving between homes when she needs looking after

Also it will be much easier to find a place when you are in the area - also have you tried asking the university for advice?

jayss

Have you contacted the uni accomodation office?
They should be able to tell you if they have any family housing available and give you a list landlords/alternative accomodation.