doodah's diy dmp diary

doodah

the ccj is staying :S but it'll be paid off in 3 months... just makes it even more difficult for us to get a mortgage in august when our current tenancy is up! *sighs*

Gemmzie

Sorry to hear that Doodah but just remember it will drop off eventually and then you can re-mortgage

doodah

we've decided now is not the best time to buy. now we're a bit stuck though, been looking at new places to rent then realised letting agencies will credit check us! the ccj is now satisfied, but i guess they won't care about that - a ccj is bad news to them. i've been searching through threads on here and the advice most people give is 'don't worry, you can have a guarantor' well that's great if you know a homeowner that's willing to do it. my parents rent, oh's parents said no straight away so that's a bit crap! not sure what to do now :S

Gemmzie

Hi doodah,
I think there's a way around the credit checks if you have a cash deposit, I know there is for young people so it might be worth a try.
Definitely try asking on the property board, they may know.

Hope it works out

Gemmzie

Thanks for the well-wishes doodah, how's things with you?

doodah

same old really. we've found a house to rent though and are moving within the next few weeks. it's a local letting agency based in a small town and they didn't do a credit check or anything like that, plus there weren't any horrible admin fees. so that's turned out pretty well our debt isn't going down much as we can still only afford to pay the interest but hopefully that will change soon.

Gemmzie

Have none of them frozen the interest for you?

doodah

nope! not even lloyds who said they would. i wish i could get a 0% card to transfer it all to but i won't get accepted. ah well..

Gemmzie

Keep on, keeping on

Have you moved yet?

doodah

yep i have and it's great utility bills are cheaper too!