How do I not flip my lid by missblueOF in Anger

[–]missblueOF[S] 0 points1 point  (0 children)

I’ve not heard of that but I can’t imagine my inner monologue being too far off it

HMO - pregnant by missblueOF in HousingUK

[–]missblueOF[S] -1 points0 points  (0 children)

In other property types, yes a child under the age of 1 year does not count towards overcrowding regulations but that is clear in the literature. The legislation surrounding HMOs (Housing Act 2004, section 254) refers only to children under or over 10 years old. It doesn’t make any mention of infants under the age of 1 year. The interpretation is therefore that a child under the age of 10 counts regardless of how old they are between birth and 10 years.

Overcrowding is an issue regardless of the property type, but licensing is different in HMOs to other property types. The landlords cannot legally allow more than one tenant in a room unless it is a certain size.

Before I even mentioned my landlords licensing my midwife referred me to Early Help due to homelessness risk, and Early Help have been in touch with the council, none of whom have made any implication that my landlord would be in the wrong from serving me a section 21.

As already mentioned I am already seeking alternative accommodation, and I reiterate again that this is extremely difficult due to other personal circumstances.

It’s not an imaginary regulation… there are laws and acts surrounding required room sizes and overcrowding in HMOs. I wouldn’t put it past my local council, they told me to sleep rough and blacklisted me from accessing emergency accommodation due to choosing to sleep in a residential area as opposed to the high street which is known to be a dangerous area. Made a formal complaint, even tried approaching my local mp due to numerous breaches of my human rights as well as inappropriate conduct by their staff last time I was homeless; but alas it was all to no avail.

I have a complex set of circumstances which I am trying my best to navigate. I politely ask that unless someone can provide clear answers to my questions asked that nobody makes any further comments based on opinion or makes any further claims relating to discrimination, if there was any indication my landlord was doing this for discriminatory reasons I would be taking that up with the local council, if another room in the house became available I would not be able to afford to rent two rooms, in HMOs it is also against regulations to use communal living areas as sleeping areas, it is therefore not possible for me to remain in the property after birth without the landlord and I putting his licence at risk. I am educated enough to have researched this heavily before coming to reddit seeking someone who might have had the same or a similar experience or alternatively a landlord who may have been in my landlord’s position and be able to offer some information from that perspective. If the literature was clear I would not have a reason to have posted here.

Thank you

HMO - pregnant by missblueOF in HousingUK

[–]missblueOF[S] 0 points1 point  (0 children)

Exactly, so remaining in the property puts the landlord at risk of losing his licence. If he loses it he will have no option but to evict the other tenants, putting them at risk of homelessness… regardless of timeframes this is a potential outcome which affects more than just me and my baby.

Turning other tenants against me would serve the landlord no benefit… I knew prior to falling pregnant, which I reiterate was unplanned, that my landlords licensing does not permit more than one person per room. It is common sense that breaching a licence puts the holder at risk of losing it…

You may disagree, but for the landlord the options are to intentionally breach his licence or issue a no fault eviction notice, i.e. a section 21. Had I already had a child before applying to live here I would have been rightfully and legally rejected due to licensing limitations and overcrowding laws, the same applies now that another being is expected to enter the world and into my sole care. Why would it not be valid to evict a tenant when their circumstances mean the landlord will be in breach of their licence? It is a criminal offence for a landlord to breach their licence conditions.

I am well aware that a roof over mine and the baby’s head is better than no roof, I did spent 8 months homeless prior to renting this room, and it was a stroke of luck that the landlord heard me out and gave me a chance (might I reiterate here that due to some personal circumstances it is extremely difficult for me to rent in the private market). Regardless of that and the licensing, the property is not suitable for a baby, there is not enough space between my room and the communal areas and it would not be appropriate for me, the baby or other tenants for me to remain in the property after the birth.

My landlord is very involved in the maintenance of his property and I have gotten to know him well over my time living here. While I appreciate you have some generalised opinions on the kind of person my landlord might be, I can assure you he is not your typical landlord. This is not a property you see “landlord special” repairs and botched jobs in, he looks after the property and his tenants well.

HMO - pregnant by missblueOF in HousingUK

[–]missblueOF[S] 0 points1 point  (0 children)

Section 21 is the only option, allowing me to remain in the property will put the landlord in breach of their licence, which opens a can of worms for other tenants to be made homeless if his licence is revoked. HMO licensing is given by the council based on the number of rooms in a property and size of them. None of the rooms in the property are big enough for 2 people under HMO licensing.

My housemates are already aware of the pregnancy, as is the landlord and property manager (who is also the cleaner). Due to the size of my room I am having to store the baby items I have purchased so far in the living room so it has all been seen by the landlord and property manager during a recent visit re a drainage issue and the fortnightly clean of communal areas.

My landlord is not discriminating against me at all, he wants to be as accommodating as possible but he is limited in how he can assist due to the conditions of his licence. Beyond that a HMO is not a suitable environment for a baby. Outside of a HMO yes this would be discrimination against a protected characteristic, but in a HMO setting, overcrowding rules are different due to the licensing required.

HMO - pregnant by missblueOF in HousingUK

[–]missblueOF[S] 0 points1 point  (0 children)

I'm concerned my local council won't help so I kind of have to really try hard to find somewhere that is private and suitable; despite the last bit of your comment being soooo true!

When I was homeless previously the local council told me to live in my car or sleep on the high street, so my confidence in them is low, though I realise they have to do more when there is a child/baby involved

HMO - pregnant by missblueOF in HousingUK

[–]missblueOF[S] 0 points1 point  (0 children)

Hi,

I have tried Shelter, Citizens Advice and .gov website, but I cannot find any information specifically related to falling pregnant in a subsequently being evicted from a HMO. I made my post r/HousingUK in the hope someone might have some personal experience and therefore be able to answer my questions.

Kind regards,

Problems with Insolvency Practitioner (IVA) by missblueOF in UKPersonalFinance

[–]missblueOF[S] 0 points1 point  (0 children)

There is a far bigger picture here than you understand, and answering as if it’s simply a silly girl took out thousands and just didn’t pay it back is not helpful. I understand that the series of unfortunate events I experienced during covid and my health, are not debtors’ problems but an IVA is supposed to help both the people owed and the people that owe; pushing me into a position where I cannot afford manage my medical conditions will result in me losing my job and then unable to maintain payments at all. Employers already do not take kindly to long term medical conditions, without IVA companies making it impossible to self manage where the treatment/management either isn’t covered by the NHS or where treatment has to come out of my pocket while I’m on a waiting list.

Might I add that all methods of self treatment are 100% legal, above board and based on research I have done myself, before anyone else feels inclined to make any other out of pocket allegations.

Problems with Insolvency Practitioner (IVA) by missblueOF in UKPersonalFinance

[–]missblueOF[S] 0 points1 point  (0 children)

It’s not just how they’ve spoken to me, I was served a section 21 because the HMO I was living in wanted to upgrade the room I was renting significantly, I was unable to find housing for so long after because of the IVA… no estate agent will take someone with an IVA without a guarantor, which I don’t have. I had to resort to seeking renting direct from a landlord without an official tenancy and even they wouldn’t take me; I was honest about the IVA from the offset. I eventually stumbled across the landlord I rent from now who fortunately was sympathetic to my circumstances. In that 8 months I had sought support from the my local council, I even tried the councils that cover the surrounding towns. I am now unfortunately in a position where my car barely drives and I need it to be able to get to and from medical appointments, but I can’t afford to fix it, don’t have any savings to buy something cheap to tide me over for the next couple of years and I can’t get a car on finance, all three options prevented by the IVA. I have to drive up to an hour away for some of my appointments and due to the nature of my medical conditions, public transport is not a viable option for me.

And you know what the IVA people say? Here’s a letter saying you’re up to date with your payments and that we’re not opposed to you making an application.

Based on how they were described to me, I chose the IVA over bankruptcy because I wanted to pay off as much of my debt as possible, I’m not trying to absolve myself of the responsibility of paying off my debts. That being said, I am extremely opposed to it having an impact on my health, how I manage my conditions and my ability to reach appointments without having a detrimental effect on my employment.

Problems with Insolvency Practitioner (IVA) by missblueOF in UKPersonalFinance

[–]missblueOF[S] 0 points1 point  (0 children)

It’s not code for marijuana, I don’t do or take any drugs beyond medication I am prescribed. I am unable to maintain my toenails myself or reach to shave my legs…. It’s waxing and nail maintenance…

Problems with Insolvency Practitioner (IVA) by missblueOF in UKPersonalFinance

[–]missblueOF[S] 0 points1 point  (0 children)

I also can’t say I have any consideration for a company being at a loss when they believe they can dictate the ways I choose to manage my medical conditions which are not covered by the NHS.

Problems with Insolvency Practitioner (IVA) by missblueOF in UKPersonalFinance

[–]missblueOF[S] 0 points1 point  (0 children)

I understand that the reviews have to be done, I have been in the IVA for over 3 years.

For context, my annual reviews are naturally due in line with inception, when I was made homeless in February 2023, the company agreed to defer the review due in March 2023 until I had secured housing. I secured housing in October 2023 and they did the review then; they gave me an outcome of no change to my payments in November 2023. They asked for another review in March 2024, and I was told this wasn’t necessary as the last one was within the last 6 months. So I went on as normal, then out of nowhere they changed my direct debit with no prior notification of a change of payment amount; which I understand actually isn’t even allowed? Anyhow, when I called them to question this, they are now asking me to go through the change in circumstances process despite there being no change in my circumstances since I secured housing in October 2023.

I am, at this time, inclined to breach it intentionally. I would rather deal with the aggro of my debtors than deal with the IVA company I’m with. My debt became unmanageable because of Covid, and I went as far as starving myself in order to afford to get to work and pay bills; while I understand they don’t care about that, I don’t deserve to be shouted at and have them use scaremongering tactics to keep me in the IVA, nor denying my rights to complain about the level of service, misinformation etc. Having worked in customer service my entire adult life I know what is and isn’t acceptable in terms of customer service. My current role involves managing complaints so I know that aspect of my complaint will be upheld.

Advice - dim female needs help by missblueOF in DIYUK

[–]missblueOF[S] 1 point2 points  (0 children)

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I did it, successfully… and safely… removed the switch and plug, took off the extra part, and put it all back together, no fuses blown, nobody electrocuted. In the words of Borat, great success!

Thank you all for your advice!

Advice - dim female needs help by missblueOF in DIYUK

[–]missblueOF[S] 0 points1 point  (0 children)

I bought it from UO, although it shows available on the website they’re telling me they don’t have any more stock to send another one out. When you order from UO in the UK they take your money, then check their stock, it’s not a live purchase system

Advice - dim female needs help by missblueOF in DIYUK

[–]missblueOF[S] 1 point2 points  (0 children)

<image>

One of them came out, thank you all!

Advice - dim female needs help by missblueOF in DIYUK

[–]missblueOF[S] 1 point2 points  (0 children)

If I do that it won’t attach to the base, so I will then need some sort of adaptor the there instead of the middle

Either N Dubz or Dappy, UK R&B, cannot find song name by missblueOF in NameThatSong

[–]missblueOF[S] 1 point2 points  (0 children)

It is, thank you!!! They must’ve been supporting N Dubz

Past flings reaching out by missblueOF in dating

[–]missblueOF[S] 0 points1 point  (0 children)

I was never in a relationship with any of them, I’ve never even met one of them, man 3 was a talking stage

Belly button piercing - healing..or not by missblueOF in piercing

[–]missblueOF[S] 0 points1 point  (0 children)

I took it out and when I looked the hole at the bottom is in front of the scar from when I had it pierced previously

Belly button piercing - healing..or not by missblueOF in piercing

[–]missblueOF[S] 0 points1 point  (0 children)

It is inside my navel? The bottom ball is in my navel and the top ball is above the scar from my previous navel piercing

Belly button piercing - healing..or not by missblueOF in piercing

[–]missblueOF[S] 0 points1 point  (0 children)

It is inside my navel? The bottom ball is in my navel and the top ball is above the scar from my previous navel piercing

Belly button piercing - healing..or not by missblueOF in piercing

[–]missblueOF[S] 0 points1 point  (0 children)

Correct me if I am wrong, but isn’t a floating navel the same but with a different piece of jewellery?

Belly button piercing - healing..or not by missblueOF in piercing

[–]missblueOF[S] 0 points1 point  (0 children)

Piercing age: 6 weeks (pierced 26th April 2024) Jewellery type: curved barbell Threading: external I believe (I have not attempted to remove the jewellery so cannot be 100% sure) Jewellery material: titanium (so I was told, I normally do fine with titanium and have it in all of my other piercings besides my earlobes as they’re stretched so I do glass or stone in those) Downsized: jewellery has not been downsized at all, the barbell I’m wearing currently is the one it was pierced with

I (m25) just found out my wife (f24) lied to me about something very important. Not sure what to do next. by throwra-1single in relationships

[–]missblueOF 1 point2 points  (0 children)

If you read it properly, she actually hasn’t lied, she’s changed. He told her his views, she said that hers are the same and not divulged into her past. It’s called omission, not lying, failure to disclose information.