Abusive Landlord Taking Money From Credit Card without permission

Fire_Fox

Believe it or not I am being helpful, if you carry on spending money like it's going out of fashion you will have a County Court Judgement or two long before you graduate. The sole reason you are getting abuse from your landlord is you have not bothered to pay your rent.

The full student loan in Scotland is £4600, presumably divided into three installments of approximately £1500 - what have you spent £500 a month on, if not your rent? :eek: Do you have a job, if not why not? If so what have you spent your wages on, if not your rent? Rhetorical questions, BTW, I already know the answers.

Budget planner used by the Debt-free Wannabe board:
http://www.makesenseofcards.com/soacalc.html

neas

Its what i meant firefox,, when i was at uni... my loan covered my digs... and i worked a part time job to pay for food and a bit of parting.

One girl i knew had to leave uni after 1 week.. as she blew all 1.5k of her student loan in the freshers week... she just never had to control money before.. and went nuts.

Seems deja vu moment here for me.. and i dont know this girl or lad or whoever it is.. nor do i care... on an internet forum everyone is genderless until proven otherwise :P

laughingcow81

neas wrote: »

One girl i knew had to leave uni after 1 week.. as she blew all 1.5k of her student loan in the freshers week... she just never had to control money before.. and went nuts.

OMG! I guess I take it for granted that people "know" instinctively how to deal with money - or at least they learn from the mistakes they do make.

Quite a story to have left after just one week...that girl you mention really must have given it some! :rotfl:

neas

she was a rich spender thats for sure.. supposedly just blew it on 100 quid a night booze sessions... and shopping lol...

Crazy girl.. still uni wasnt for her i guess :P

jamespir

you could complain to the police if he harrases you

Milliewilly

neas wrote: »

she was a rich spender thats for sure.. supposedly just blew it on 100 quid a night booze sessions... and shopping lol...

Crazy girl.. still uni wasnt for her i guess :P

Yep when I was at Uni some people saw their cheque as a windfall to buy the latest computer / stereo system / tv etc without a second thought as to what they were going to need for useful things like food.

BitterAndTwisted

^^^ Yep, that's one of the main reasons my sister and BIL have ensured that my nephew's rent is all paid up until the end of term and he gets a weekly allowance paid into his current account every Friday. Next term they are going to relax the leash a little so he can learn to budget gradually once he's proved he can manage on what he has now. Cruel to be kind a bit really but eminently sensible imo

financial_warrior

This to me sounds like someone who's spent their student loan on other stuff and is now at the end of the term facing the consequences. This happens every year, around this time, to many students, and is one of many lessons you'll learn over the next three or so years. We've all been there, and the way you resolve this matter will shape the way you deal with similar issues in the future.

This is a civil matter; you should have paid your landlord rent, but you haven't. You're in arrears, and your landlord is quite rightly concerned that you have no intention of clearing the arrears, possibly leaving him very short at a time of year when everyone needs a few extra quid. The landlord should not get abusive with you, as that then becomes a criminal matter, but you need to accept that he is within his rights to be direct and serious with you.

My advice is (a) you should definitely be communicating with the landlord about the issue (b) you should offer to pay what you can right away, as a gesture to him that you genuinely intend to pay (c) get a job if you don't have one and work your butt off over Christmas (d) see if any friends, family or a bank can help you with a short-term loan until you can sort you finances out.

What I would not do at this stage is stick my head in the sand and spend my last few remaining pounds down the boozer.

Good luck.

spinningsheep

Samsong, you must admit that to post a thread all that time ago, along a SIMILAR line of subject and then post again here under effectively a different identity abeit same username, just screams troll, even to a relative newbie like me (3 years, I am not a regular poster) and your tone of posts seems to have gone from "please help me, im a good girl in a strange town and the big bad landlord wants his rent" to being more than assertive and capable to stand up to him. The fact of the matter is you need to sort this, have you spoken to your uni housing officer? Surely this is not the first time you have missed rent, no landlord/landlady in the right mind would be coming at you from all angles for a few weeks late, I admit they wouldn't be happy but not ringing you all hours etc.
As for your housemates, I would be seething with you if your actions ie not paying your rent, was bringing all this grief to the door. You just need to pay him whats owed. Borrow it, from multiple sources if needed, after all, once the funds you claim are late that have caused this issue do in fact come through, you can pay the people back can you?

Jowo_2

How much do you earn from your part-time work and how much are you left with after you've deducted your rent and essential bills from your grant and employment?

On average, a university student only has around 10 hours of lectures and seminars in each week with a similar amount of self-study on top which frees up a student to work 15-25 hours a week.

Complete a SOA. There's a budget planner tool you can download from the right hand side of this page.

If you list your income and your expenses, the forum members will be able to advise you how to increase your income and how to reduce your expenditure because you appear to have incurred rent arrears from the start of your tenahcy.