renting with no options...desperate

alifpb66

i  need to find somewhere to live asap.......
.i have savings and work so cant get help from authorities, and cant rent privately as have bad credit rating/CCJ.
I keep getting told to find a private landlord, but how....i get my hopes up looking, then the letting/estate agents say i wont pass their credit checks......
please, please can someone just give me some kind of advice, my horrendous luck this year has to start changing.....

Wanderingpomm

Why do you have to move? And what’s wrong with yor credit? 

blue_max_3

There have to be some consequences for having bad credit and CCJ's or nobody would pay for anything.
You say you have savings. I have little income and had to offer six months rent and the deposit upfront. Maybe you could try that. 

Durban

Can you get a guarantor?

Comms69

Have you satisfied the CCJ? If so you'll be fine in most cases. 

[Deleted User]

Durban said:

Can you get a guarantor?

Probably not as they'd already know the persons track record and so be rather wary.

AdrianC

alifpb66 said:

i  need to find somewhere to live asap.......
.i have savings and work so cant get help from authorities, and cant rent privately as have bad credit rating/CCJ.

Given that you have savings, I presume these are historic black marks on your record, and a satisfied CCJ? From how long ago?

I keep getting told to find a private landlord, but how....i get my hopes up looking, then the letting/estate agents say i wont pass their credit checks....

Try landlords who are advertising direct, rather than going through agents. Remember, there is no blanket "pass" or "fail". Some landlords may be willing to give you the nod if they think you're genuine... but you're unlikely to get the pick of the market, of course.

Slithery

You need to find landlords that don't use an agent for a better chance.
Try http://www.openrent.co.uk/

Toastie2018

Slithery said:

You need to find landlords that don't use an agent for a better chance.
Try http://www.openrent.co.uk/

Hi,
You can also try spareroom.co.uk. There is an option to choose properties that are only being advertised by private landlords. You can also use the filters to choose "whole properties" if you are looking to live alone. 
Good luck

alifpb66

Wanderingpomm im divorcing my husband (domestic violence) credit is bad because i stayed at home to look after my children and he had businesses, which failed...(i left him to deal with financial side) blue_max_3 only just realised i had an actual ccj, more than happy to pay anything up front. Durban  yes..think i can get a guarantor. Comms69  do you think its worth satisfying the ccj, its only small.....AdrianC debts go back 12/15 years still chasing me which is fair enough. (ccj only from 3 yrs ago) just didnt know how i can put my side of things to a landlord, Slithery thank you, never seems muchh in my area, but will keep looking. Toastie2018 thank you, just looked again...i thought it was just rooms, too old to be sharing....  thank you all so much, its all a bit over whelming for me these days.

greatcrested

Yes of course satisfy the CCJ. Irrespective of your current housing problem you need to start geting your finances and credit records in order.

Offer 6 months rent up front - some LLs/agent will accept this - but not all.

Offer a guarantor. It needs to be someone credit worthy so: salary, clean credit record, ideally home-owner too. But the guarantor needs to understand the commitment they are making.....