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Old 28-07-2013, 08:25 PM #26
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where are all these people going to find guarantors
I dont know, but they do. They have to in order to move in.

Generally the requirements are for the guarantor to be working fulltime (or retired on a generous pension) AND own their homes.
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Old 28-07-2013, 08:31 PM #27
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I dont know, but they do. They have to in order to move in.

Generally the requirements are for the guarantor to be working fulltime (or retired on a generous pension) AND own their homes.
thers no way the majority get guarantors....even for those who do its simply passing their bills and responsibility onto more financially responsible people which is frankly a disgusting practice.....they've even started paying housing benefits direct to tenants in some cases? how on earth is that justifiable on any level?
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Old 28-07-2013, 08:45 PM #28
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thers no way the majority get guarantors....even for those who do its simply passing their bills and responsibility onto more financially responsible people which is frankly a disgusting practice.....they've even started paying housing benefits direct to tenants in some cases? how on earth is that justifiable on any level?
They have always done that for private housing. Its stupid really..

And yes, the majority (if not all) of HB claimants living in private housing have guarantors. Without them they could not move in. Landlords will not allow it. Or not many will.

I will give you my experience from a few years back of trying to get somewhere to live while (temporarily) on benefits. The council said the wait list was around 3 years long. I was losing my job AND my house at the same time (owner sold the bar I had worked in for around 4 years and the new owner had their own staff and wanted to live in the flat above..where I was living at the time). Obviously with being unemployed I was going to have to claim HB..basically after calling around 20 affordable places, I managed to find one landlord who would accept housing benefit. I was told I could not move in without a guarantor..which luckily my dad said he would do for me. The landlord asked to see his previous bank statements, and proof that he owned his home to make sure we werent scamming him. After this I had to pay a grand bond (incase of damages) and 500 rent upfront (Incase I missed a rent payment, so he didnt lose out). Again, had to lend this from my dad.

I went to the council to sort out my LHA (housing benefit is called that for private rentals). I asked them to pay it directly to the landlord and they refused. They told me you have to be 3 months in arrears (or have previous rent arrears from properties), or previously bankrupt in order for them to do that. They would not tell me why this was the case. Then it took them 2 months to actually open the claim, during which time I had to lend my rent from my father...or I would have been kicked out pretty much immediately

Luckily for me, I found work around 2 months after I moved in (oddly enough a week before the housing benefit claim actually got sorted/backdated ) so all of the rubbish ended. And everything was fine...until I moved out and the landlord refused to give me my thousand quid back, even though there was not one thing wrong with the property besides the 'damp' that was there when I moved in (and that I pointed out to him when I moved in and he said h would get sorted)

It is not as easy as some people think it is being on benefits. Getting a house is seriously hard too, unless you can get one with the council. Though I understand why landlords require guarantors and rent in advance, and bonds, I really do.

Last edited by Vicky.; 28-07-2013 at 08:47 PM.
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Old 28-07-2013, 09:18 PM #29
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I've had HB during periods of unemployment. It's not too bad if you are already in a rented house when you lose your job. Particularly if you already have a good relationship with your landlord. But, private landlords that accept HB tenants from the start are very few and far between (except of course for the larger scale rented property companies, many of whom are the modern day 'slum landlords'). I cannot tell you how many properties near me go up for rent with 'No smokers, no pets, no DSS'* at the bottom of the notice.

Trying to find a house for rent when you are on benefits is difficult and thoroughly demeaning. There is an automatic assumption that you are a profound risk. And everybody and his dog feels qualified to judge you harshly on a personal level based on nothing but the source of your daily bread.

I don't know much about people who manage to garner incomes thirty or forty thousand a year from the benefits system. The only way that could happen, as far as I can see is if they were living in a fairly expensive rented house with a high council tax band. bear in mind of course, that doesn't mean they live in a very nice house. A modest family home anywhere south of the Watford Gap (and plenty of places North of it too) is not a cheap rent. People who are renting pay (or have paid on their behalf) a far bigger percentage of their income on accommodation than do people who own their homes and pay a mortgage.

What I do know, from personal experience, is that living on benefits is a scrimping, scraping, insecure, depressing and occasionally downright frightening experience. I've had that experience for limited periods. Interspersed with times of financial plenty and optimism. To have to try and cope with that for a long time must be soul destroying. There's a reason people describe poverty as 'grinding'.


* realised when i read it back I'd put 'no dogs' instead of 'no pets. Probably because those signs always remind me of the 'no blacks, no dogs, no Irish' signs that used to get hung up in Guest house windows back in't'olden days.

Last edited by DanaC; 28-07-2013 at 09:47 PM.
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Old 28-07-2013, 09:24 PM #30
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Originally Posted by the truth View Post
a chap I know who never seems to have worked in his life, has 6 kids
he said he and his partner gets £3000 a month tax free
plus free house paid for ....various other freebees like glasses, prescriptions etc
neither him or his partner have worked in the 10 years ive known them

is this about the average?

that's £750 a week .....but with 6 kids I guess theres a lot of expenses

is this the correct information ive been given? is it morally right in your opinion?

do you agree with the £25,000 cap or should it remain as it is or be lower?
Yes totally you should try it.
last time i was out of work i couldnt move for cash i was so rich i had to get a job just to get poor again.
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Old 28-07-2013, 09:27 PM #31
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Yes totally you should try it.
last time i was out of work i couldnt move for cash i was so rich i had to get a job just to get poor again.
You just totally won this thread
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Old 30-07-2013, 10:04 AM #32
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Yes totally you should try it.
last time i was out of work i couldnt move for cash i was so rich i had to get a job just to get poor again.
lets face it, this is utter insanity

£750 cash in hand tax free every week without lifting a finger (plus endless freebees (glasses, prescriptions, vet bills as loads of these people seem to have dogs galore and breed them for cash etc) also I presume they don't have to pay council tax too? and free rent and upgrading to bigger houses for free. how much is your average 4 or 5 bedroom detached which is what some families with 6 or 7 kids get?)

the kids learn what? just sit around all day smoking and doing bugger all and that's how you get on in life and earn a fortune

a working man/woman would have to earn how much to be able to afford to live in a 4 or 5 bedroom house and have £750 a week spending money?

well lets guesstimate youd need £150 for rent plus youd pay 30% tax on such an income , so youd need about £1350 a week (30% tax is £405 less £150 rent less £40 council tax) leaves £755 a week and still youd have to pay for the freebees.


that means youd need to earn £67500 a year to earn almost as much disposable income as someone who sits at home and does nothing all week

how many years would you need to study and work to earn such a guaranteed income?

just extraordinary
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