#I’m in a really **** situation and it’s looping

1 messages · Page 1 of 1 (latest)

naive nimbus
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What it says on the tin. I just need someone to talk to

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I don’t have the energy to write a bloody description everything is gonna be a flurry of crap anyway

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I don’t have the money to pay for actual therapy

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I’m fucjing homeless

rancid dune
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and where are you rn

naive nimbus
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Sex discrimination against me

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England

rancid dune
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could you tell me a bit more abt the situation?

naive nimbus
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Trust me when I say I can do absolutely f*** all about it

naive nimbus
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Day of moving got told that’s it’s men only

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A bra on the floor can make a man uncomfortable

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Not allowed to be in the flat

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I can’t move back home because there’s nobody I can go to

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They also stopped my job transfer so I can’t do that anymore

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And now I’m homeless

rancid dune
naive nimbus
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Just adds to the damn pile of everything huh

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I’ve tried lawyers and HR and nothing

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Company covers their a**

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But I’m utterly screwed

rancid dune
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okay so first off your partner knows all this is he stil going through with moving there?

rancid dune
naive nimbus
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Surfing

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Been doing so since 16

naive nimbus
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There rather

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I’m still in the town I was supposed to live in

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If any family I stayed with is my dad

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And I cannot go back there

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Even if I could

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I’d rather be dead

rancid dune
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i see

naive nimbus
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I’ve got people saying like oh just be positive, with a negative mindset more negativity is gonna happen

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Like anything positive has happened for the past god knows

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And if it did it lasts for less than a month

rancid dune
# naive nimbus Oh yeah he lives here

well if he’s your partner he obviously can’t just ditch you on the street. do you guys have any savings whatsoever? perhaps find a hostel or house share until you’re on ur feet again?

naive nimbus
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I haven’t got an income

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Best option is a van atm

rancid dune
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that’s something

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it won’t be permanent so it’s not bad esp if you at least get privacy and shelter

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what abt your partner can he contribute?

naive nimbus
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Yeah I’m happy I’m not on the streets at least

naive nimbus
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He needs to get out of his overdraft

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And he needs to work on his car

rancid dune
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working on his car doesn’t seem like an emergency

naive nimbus
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And for somewhere paying 200 a month I don’t blame him

rancid dune
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yeah that doesn’t sound the best

naive nimbus
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Nah the rent is 200 a month

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Cheap

rancid dune
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oh that’s wonderful

naive nimbus
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Other places here are around a grand and up

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For small apartments

rancid dune
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but ultimately what matters most is that both of you have shelter

naive nimbus
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Yeah

rancid dune
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if you guys are planning to live together in the long term i’d suggest getting a van or cheap place together and save for 2 months

naive nimbus
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He’s staying at the company housing

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I’m tryna just find a place

rancid dune
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so essentially you’re on your own?

naive nimbus
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His coworker has said we can get a place together

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But it’s almost impossible when you don’t have a salaried job

naive nimbus
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Practically

rancid dune
naive nimbus
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Nah for reference background checks

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It’s credibility sh

rancid dune
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ahh

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do try anyways there’s some understanding landlords out there

naive nimbus
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I wish I never had tried to acc move lol

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I am looking

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I’m not relying on my partners coworker for a home

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I can’t rely on people anymore

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Just can’t

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I dont want more false hope

rancid dune
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yeah i’d only move in with them if it’s a concrete thing not just an idea

naive nimbus
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Exactly

rancid dune
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if they have a place they can hit u up but gotta keep searching

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if you have any sort of savings it should just be a matter of time before you find a place. might not be a nice aesthetic place but good enough

naive nimbus
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I have £30

rancid dune
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well damn

naive nimbus
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I lost 2k saved on a trip when the car broke down

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That was what I had my savings for

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Was to move

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Tried saving at my previous job but I had to sacrifice eating

rancid dune
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you’re gonna need financial help or a loan

naive nimbus
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I don’t qualify for financial aid apparently

rancid dune
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that’s messed up

naive nimbus
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Welcome to England

rancid dune
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how’s your credit score?

naive nimbus
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882

rancid dune
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that’s not too bad

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also not amazing

naive nimbus
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Avg is about 700

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I mean hell at least I have my credit score going for me 😭

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I can’t really do anything with it

rancid dune
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yeah that’s honestly an option available for you

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take a loan out and get the cheapest place

naive nimbus
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I’m already in debt bro

rancid dune
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if you talk with them you can tweak the terms of repayment

naive nimbus
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My uni funding says I owe them 6k because of their own mistakes

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And it’s not been sorted for three months

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They haven’t contacted me or anything

rancid dune
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uni payments don’t take money unless you’re earning above a certain amount though

naive nimbus
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That’s uni debt

rancid dune
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if you’re dead broke they shouldn’t touch u

naive nimbus
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The debt I owe them 6k is regular debt

rancid dune
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hmmm

naive nimbus
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Cause it’s an oVErPAYmEnT

rancid dune
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well if they haven’t contacted u i say ignore it for now and if they do tell them the situation

naive nimbus
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They forced my mum to send her financial details when she doesn’t support me or live with me and then went off her income

rancid dune
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they literally can’t do anything cuz if they sue u can js file bankruptcy

naive nimbus
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And we said for damn months in end she doesn’t support me

naive nimbus
rancid dune
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yeah they’re odd

rancid dune
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the courts don’t punish people for genuinely not having it

naive nimbus
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Student finance England has a reputation for being crap

rancid dune
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it is

naive nimbus
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Nah it won’t be via court

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They literally threaten with bailiffs

rancid dune
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debt collection escalate to courts

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which is in ur favour anyways

naive nimbus
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So if I don’t get this sorted they’ll just cease my assets

rancid dune
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which u don’t have

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but honestly you can put them off with communication

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in my experience if you’re just in communication with them they can’t do anything

naive nimbus
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I hope it does go to court cause at least then maybe I’ll win and I’ll have money 🤦‍♀️

rancid dune
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cuz you’re “cooperating”

naive nimbus
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Yeah that’s what I’ve been doing

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But they don’t have an email

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They don’t email me

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They have a phone line which is an hour wait

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And then they redirect you five times because half the people there are children I stg

rancid dune
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if you have absolutely 0 and no help unfortunately i would still suggest taking out a small loan and and then paying that back as soon as possible and only after that tackle everything else

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because then your on ur own feet

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which is the most important thing rn

naive nimbus
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Rice and chicken again 🔥

rancid dune
rancid dune
naive nimbus
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I’ll see what I can do if I talk to my bank

rancid dune
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but you gotta actually walk into the bank n speak w someone for the best terms

naive nimbus
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I’m terrified to do anything to get in a worse position icl

rancid dune
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i feel you

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its dangerous of course

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that’s if you can’t pay it back

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but your sole focus for the next 3 months is

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accommodation and job even if it’s a basic job

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and from there you can pay it back if the terms are lenient and allow you time

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your credit score is good they’ll be softer on you

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but this is just an option

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consider all and any options that arise too

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this is just what i’d do if i was totally on my own with nothing but a good credit score 😭

naive nimbus
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They might deny due to my situation

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I mean i can get my partner to help support my rent but can’t move because of as previously stated

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He’s stressed out because of my situation

rancid dune
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and with that cheap of a rent he should

naive nimbus
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Also struggles to understand emotions so it’s unbelievably difficult to talk to him

rancid dune
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ngl throughout this convo i did feel you was doing all this by urself

naive nimbus
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Yeah if I find something I’ll just ask but the cheapest house share I found was 400 in a rough part of Cheltenham

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He said I should look for somewhere better

rancid dune
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can’t be choosers rn

naive nimbus
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Jobs round here finish at midnight to layer and id be walking home in the night so I get it

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But Idc about risking it rn I just want a home

rancid dune
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i hear it but a home is a home

naive nimbus
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Fr

rancid dune
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shelter is top priority

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can’t be choosers when ur homeless

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besides you know already you don’t plan on staying there forever

naive nimbus
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I have to wait to get a job before I can move as well so at least I have a van

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I don’t even wanna be in this town

rancid dune
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you have a van?

naive nimbus
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I’d rather move to Birmingham or Manchester where it’s cheaper

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Yeah

rancid dune
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can you just stay in the van?

naive nimbus
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For a while

rancid dune
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idk if that’s a viable option

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is it expensive or you own it?

naive nimbus
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Can’t stay in the company parking lot as it would ruin the businesses reputation

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Partners brothers

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He has helped which I am thankful of

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But it is limited on what he can do

rancid dune
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of course

naive nimbus
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Rest of this is my back

rancid dune
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but that’s still something shelter is shelter

naive nimbus
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But goddamn do I feel like Sisyphus 😂😂😂

rancid dune
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yeah this is quite a challenge

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you’re doing well despite everything

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consider staying in the van and saving every penny you can

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do try for a loan IF and only if your confident and have jobs available to you

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and keep your head up you seem to already be proactive in searching