Me and my husband have been seperated for 6 months now. I work part time, he earns a substantial wage we have not been entitled to benefits previously.
I have had immense trouble finding a place for me and my son to live, most places not interested due to me working part time, I will be claiming benefits once I am out the house but its getting out that has been the problem.
Finally I found a place that were happy to have me (it is through an agent) on the onus that my STBXH would be guarantor. He has agreed on the basis he wants me out asap.
However, they want from both of us - employer and personal references, 6 months worth of bank statements and wage slips, and will be doing a credit check.
I am really worried as my credit is awful. Since we have seperated I have been paying childcare out of my part time wages so I could go to work & keep my job with no help from
husband & no benefits. It has been a deduction from my salary paid directly to my childminder. Therefore my bank statements will show less than my actual wage, they will also show exactly how f**ked up my money has been the past period, I'm talking payday loans etc!
Once I am out i won't even be paying childcare as I am moving back by my family who will be providing care until I find another childminder (not decided if I need this yet), I would have moved in with them previously they just havent had the room to accomodate me. And i will be able to get tax credits sorted etc & generally get back on my feet.
Will my credit/financial situation currently affect the outcome of this check or will it not matter due to my ex being guarantor? If yes then how the hell will I get out of this house?
Have already tried with council, list is 2 years and up so private is my only option at the moment.
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Divorce/separation
Private renting / having a panic
12 replies
BlueJellie · 20/06/2012 21:00
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