PLEASE READ BEFORE POSTING

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.

We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Renting help

Jessicamc
Jessicamc Posts: 12 Forumite
in House buying, renting & selling
Hello all..

Anyone that could help would be great...

First of all im 24 years old..

I earn at the moment £21101 pound.. in full time perm employement for last 4 years...

I am looking to rent a flat.. my first flat... I have found a few I like..

Only problem is they are all with agencies.

When I was 19 I entered into a trustdeed (scottish IVA really) it is almost a year completed and I have been discharged although my credit is a mess for another 2 years till everything falls off..

I had 19 credit accounts which are all at default.. do you think i have any chance in hell of being accepted.

I have deposit and wage slips that can prove my wages and that I can afford it...

I have more than learned my lesson from my stupid stupid mistake as a teenager and will never get in a mess but is my life further on stop untill the 6 year mark???

thanks

Comments

  • N79
    N79 Posts: 2,615 Forumite
    Are you still in Scotland?
  • Ericparke
    Ericparke Posts: 19 Forumite
    Jessicamc wrote: »
    Hello all..

    Anyone that could help would be great...

    First of all im 24 years old..

    I earn at the moment £21101 pound.. in full time perm employement for last 4 years...

    I am looking to rent a flat.. my first flat... I have found a few I like..

    Only problem is they are all with agencies.

    When I was 19 I entered into a trustdeed (scottish IVA really) it is almost a year completed and I have been discharged although my credit is a mess for another 2 years till everything falls off..

    I had 19 credit accounts which are all at default.. do you think i have any chance in hell of being accepted.

    I have deposit and wage slips that can prove my wages and that I can afford it...

    I have more than learned my lesson from my stupid stupid mistake as a teenager and will never get in a mess but is my life further on stop untill the 6 year mark???

    thanks

    Make things easy on yourself, Just rent a room off someone so you dont have to struggle :)
  • Angry_Bear
    Angry_Bear Posts: 2,021 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker PPI Party Pooper
    I believe (please correct me if I'm wrong) that Letting Agency references only see public information (like CCJs). I'm not sure whether a trust deed gets recorded as public information but you can check what is listed on your credit report.

    I don't think LAs can see defaults.
    Do you not know that a man is not dead while his name is still spoken?
    ― Sir Terry Pratchett, 1948-2015
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 347.8K Banking & Borrowing
  • 251.9K Reduce Debt & Boost Income
  • 452.2K Spending & Discounts
  • 240.2K Work, Benefits & Business
  • 616.3K Mortgages, Homes & Bills
  • 175.4K Life & Family
  • 253.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture