i owe £7400 for landlord and around £3,500 in credit cards.
although i am struggling to get my landlord resolve damp problem for the last 5 ,5 years while living here and due to that i lost many of my and childrens clothes ,furniture is visibly damaged and rest is full of dampness inside as the moisture was absorbed by furniture and its stinks of mould.
so many clothes was damaged to such extend in the past that i had to throw them away .
the landlord postponing of dealing with the damp problem in her house
caused somany problems with my childrens health as well ,causing my younger daughter to develop the roumatyzm in her joints and before each time it will rain ,she complains of the pains .
that was the reason why i decided to postpone the payment of the rent to my landlord in the first place,just to make her do the work on the affected areas in the house.....but as i needed the money so used on something and as we are only barely managing financially from one month to another so it happend that now we are in position that we got no reserves to pay for that outstanding rent.
but its worth to mention that up to today landlord didnt resolve damp problem.
somebody said that if this is the case i should get in touch with local council and landlord should be dealth with.i was told also that shelter can help me as well with dealing with private landlords,last year citizen advice bureau said .
any more advices be welcomed.
also is there any way of moovingtonewpropertty as we do not havemoney for new deposit ?
also can the balances of credit cards be transferred to different(new) ones which had 0%?
how can i do it,and where from?
perhaps it benot possible when having bad credit score?
thanks a lot