Working Girl - bellasinfonia

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The Sea of Stars

Water-stained pages, pebbles and traces of stardust


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Working Girl - bellasinfonia
sea_thoughts

Bloody bastards

1. The flat I was going to buy fell through: the management company for the house was MIA and they wouldn't give me full insurance, so we pulled out.

2. I found another complex nearer to work, with two flats available to buy. I liked the one on the second floor best, so I filled in an application form and sent it off with sundry pieces of paper (mortgage agreement, bank statements, pay slips, letter from my dad as financial backer).

3. Yesterday, I get a reply from the housing association that owns the flat, saying that they have allocated the flat to someone else, which is fine, and that I do not meet with their criteria. Which is not fine.

4. Today, Mum phones the estate agent, as we want to know exactly why I do not meet the criteria. Get this: they refused me because the house in which I am currently living in has a poor credit history. The house I live in. Not me. The fact that I myself do not have any debt, no credit cards, no county court judgements, nothing that would prevent me from being an ideal first-time buyer, this does not count. I come from a 'bad' house, so I do not meet their criteria.

What a load of bollocks. You want to give the flat to someone else, fine, but don't try and fob me off with a pathetic excuse that because I live in the wrong house, I am not suitable for you. It makes you look bad. It makes you look pathetic. And snobbish.

Still going to try and apply for the other flat. Just to spite them.

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WHAT??? They can't be serious!? Reminds ma a bit about the numerous applications my mum sent for NORAD jobs whan I was young (which would've led to a few years in Africa). She was frequently the best applicant, but she never got the job because she didn't have any NORAD experience. ??? How are going to get the experience if you never get the job? I really thought the world had improved over the last 30 years, but obviously not so. Silly.

Straighten you back, don't let it bring you down. This is only happening because there's something better waiting for you. Te flat you wanted will probably have loads of trouble within a few year, like water leaks and whatnots. Or something like that. You'll find the perfect flat. Keep it in the front of your mind, envision how it will be to live in your own flat, cultivate the feeling and go there often - and the flat will materialize. At a decent price. You'll see... *hugs*

Yes, they are serious. I sympathise about your mother, I had that problem with getting a job in the translation industry, as you'll see if you read my old entries.

Thanks, Ana. I will make a list of what I want in a flat and envision it in my mind. :) *hugs* You're always a comfort.

Wow, that's really rotten. Stupid nonsensical business decisions...

Yes, it is, it's horrible. Makes no sense whatsoever.

Is that legal? It sounds fishy to me. In any case, I hope you find something way better just to spite them!

I don't think it's illegal, but I don't think it's good practice, either. I hope I find something better, too! *hugs*

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Haha, sounds great, but since the flat is on the second floor, we'd have difficulty getting the eggs and toilet paper anywhere near the windows. ^^;

Oh. that is so unjust! Damn. That's crap. Bastards. *Bastards!*

However, I can't help but wonder if it is your total *lack* of any personal debts that is causing your credit history problems (and why they pay any attention to the address of the house you rent). I know, I know, sounds nuts, but I had the same problem a couple of years ago, because, like you, I have no debts and NO credit cards (Put it *there*, girl!). However I wanted to open a new bank account at a different bank with a considerable sum of savings, and get a debit card which could be used abroad without accruing any charges (Nationwide, in case you're wondering). They rejected me based on the fact I had a 'poor credit rating'. I laughed. I owed no money to any company and apart from a Student Loan (all paid off) I had never owed money to anyone. This, I was told, was the problem: without any history of debts, I also had no history of paying them back, so they could not give me any sort of credit rating. It is laughable (in a bitter way), and so unfair. I suspect you've been nobbled by the same problem. Penalised for living within your means and not spending profligately. It is *so* unfair.

I don't know what to advise, except your Morgage provider should be able to explain your next move forward, and how to overcome these 'credit rating' problems which might cause you problems again in the future.

Good luck finding a new flat. Spring should see new places coming on to the market, so you'll have a wider choice, and hopefully some better ones too.
x

I wanted to open a new bank account at a different bank with a considerable sum of savings, and get a debit card which could be used abroad without accruing any charges (Nationwide, in case you're wondering). They rejected me based on the fact I had a 'poor credit rating'. I laughed. I owed no money to any company and apart from a Student Loan (all paid off) I had never owed money to anyone. This, I was told, was the problem: without any history of debts, I also had no history of paying them back, so they could not give me any sort of credit rating. It is laughable (in a bitter way), and so unfair. I suspect you've been nobbled by the same problem. Penalised for living within your means and not spending profligately. It is *so* unfair.

God, if you're right (and I suspect you are), how unfair is that? It's almost like they want you to get in debt instead of being sensible and being independent. The bastards.

Yeah, Mum's going ot talk to the mortgage advisor and see what we can do. Other than actually getting a credit card. *lol* Hopefully, another nice flat will turn up.

You *could* get a credit card, but it's not enough to simply have one, you have to use it regularly to build up a credit history, and what that means is introducing a totally new (and risky) way of managing your finances. I don't know how you'd feel about that, but I guess that if you've reached the age where you're ready to take on a mortgage without ever having had a credit card, you're probably not that keen to start using one now. It's not for me. I've resisted the pressure from the banks, but yeah, it is exactly like you say: they actively *want* us to get into debt. That is where they make their profit.
And you will find a nice flat soon, I'm sure of it. :)

You *could* get a credit card, but it's not enough to simply have one, you have to use it regularly to build up a credit history, and what that means is introducing a totally new (and risky) way of managing your finances. I don't know how you'd feel about that, but I guess that if you've reached the age where you're ready to take on a mortgage without ever having had a credit card, you're probably not that keen to start using one now.

No, definitely not. After I finished my undergraduate studies, NatWest gave me an Advantage Gold credit card, which took £10 every month, and I didn't like that, so I cancelled it after three months! *lol*

Thanks for the good wishes! :)

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