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I need a loan but dont work help please
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# 1
mishca_loves_a_bargain
Old 06-12-2009, 7:23 PM
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Red face I need a loan but dont work help please

Hi there, i need a loan for my kids Xmas, its only for 500, but i dont work and my credit rating is terrible. I have never applied for a loan before so i just wouldnt know where to start! Does anyone know of any companies that would give a loan to unemployed? Any help would be very helpful, thanks
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# 2
Fonz
Old 06-12-2009, 7:27 PM
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No, nobody will give you a loan if you can't pay it back - this is a reasonably simple one from a lenders perspective.
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# 3
devils_vixen
Old 06-12-2009, 7:30 PM
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Provident might - 15 per week though for 57 weeks. Not sure if the agent would give you the full 500 if you are on benefits 15 per week is alot to pay out and the interest on a provident loan is sky high!
Is there no one in your family who could lend you the money or even half of it?
I don't have to worry about the voices in my head, I have a child who natters incessantly and won't let them get a word in edge ways!
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# 4
scrounger
Old 06-12-2009, 7:31 PM
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Please dont borrow from loan sharks- easier said than done at this time of year but you will regret it all after Christmas. Have you tried for a crisis loan from the Job Centre?, or local credit union?. Do you really need that much?
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# 5
mishca_loves_a_bargain
Old 06-12-2009, 8:05 PM
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Hi i did apply for a budgeting loan through the job centre but was refused as ive not been on income suppoet for 26 weeks. So i thought i might apply for a small loan. If i could get one! Has anyone heard of Blackhorse loans? Apparently they do loans for people on benefits....... Thanks
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# 6
iamana1ias
Old 06-12-2009, 8:07 PM
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Quote:
Originally Posted by mishca_loves_a_bargain View Post
i need a loan for my kids Xmas, its only for 500,
No you don't. You could do xmas for a fiver. No-one needs 500 for xmas. :rolleyes:
I was born too late, into a world that doesn't care
Oh I wish I was a punk rocker with flowers in my hair
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# 7
Oldernotwiser
Old 06-12-2009, 8:08 PM
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Spending 500 on children's presents is pretty excessive at the best of times; for someone who's unemployed, it's absolute madness!
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# 8
jennihen
Old 06-12-2009, 8:21 PM
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At my lowest point I did christmas for a tenner and is wasn't our worst christmas by a long shot!
If you ever want to teach your children the value of money this could be their best lesson. It doesn't have to be harsh. We are programmed by society into beleiving we have to buy this toy and that toy for the children - its a fool's game!!
Christmas is a big roast dinner at the end of the day and Boxing day is leftovers.
Don't get into debt just fora stupid holiday - look on the Christmas money saving board for free and cheap ideas and concentrate on that.
JH x

Last edited by jennihen; 06-12-2009 at 8:28 PM.
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# 9
BASFORDLAD
Old 06-12-2009, 8:29 PM
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Why on why would some dream on spending 500 for thier kids birthday???. i really dont get it!!!!! esp when they dont have a job.

Utter utter fool and you would have no sympathy for getting in to deep water if you was in trouble after christmas
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# 10
nikki2804
Old 06-12-2009, 8:36 PM
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Its my wee ones first xmas and I have spent no where near this amount!! I have spent approx 150-200 but thats me just being excessive:rolleyes:. I could have done it a lot cheaper!! Xmas is not about what you can spend, its about spending time with those you love. If your children are young they will not care about what you have spent, if they are older then it is the beginning of the journey to teach them the value of money!

Do not get into debt for an over commercialised (sp) holiday. Teach your children what its really about
SPC no 046
Now a MFW!
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# 11
CHR15
Old 06-12-2009, 9:04 PM
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Quote:
Originally Posted by mishca_loves_a_bargain View Post
i just wouldnt know where to start!
Don't give up hope, THESE PEOPLE will give money to those out of work
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# 12
welf_man
Old 06-12-2009, 9:07 PM
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Concentrate on teaching them values and selflessnessinstead of desire for THINGS.

My DD couldn't think of much she wanted for her 14th birthday so she asked people to donate to the Disasters Emergency Committee as there'd just been a TV appeal - I was SO proud of her!

She knows we don't have much money so she's been saving her pocket money all year to go halves with me on geckos and a vivarium for Christmas. I'd never dream of spending 500 on her even if I had it.

Yes, I know I'm boasting because she's a great kid - but you can bring yours up to be great too!

Mel.
Though no-one can go back and make a brand-new start, anyone can start from now and make a brand-new ending.

(Laurie Taylor, THE no. 1864)
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# 13
michael1983l
Old 06-12-2009, 9:12 PM
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Rule number one for Xmas

Don't spend what you can't afford..


Rule number two


Don't borrow to buy other people presents.
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# 14
pelirocco
Old 06-12-2009, 9:32 PM
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Quote:
Originally Posted by BASFORDLAD View Post
Why on why would some dream on spending 500 for thier kids birthday???. i really dont get it!!!!! esp when they dont have a job.

Utter utter fool and you would have no sympathy for getting in to deep water if you was in trouble after christmas

Did you read the op?
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# 15
TBeckett100
Old 06-12-2009, 9:54 PM
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your kids wont thank you next year when you don't have the means to get by from one week to the next. the fact you are unable to support yourself without help from the taxpayer should draw you swiftly to the conclusion that you need to batten down the hatches and have a lean xmas but know that next year you wont have to keep paying for it at exorbitant rates,

all debt starts somewhere and it starts for you here. dont start the slippery slope.
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# 16
PNPSUKNET
Old 06-12-2009, 10:47 PM
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sounds like you need to stop trying the lifestyle you cant afford, its the thought that counts
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# 17
BASFORDLAD
Old 06-12-2009, 10:55 PM
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Quote:
Originally Posted by pelirocco View Post
Did you read the op?
Yes i certainly did

More fool the people who follow her lead and then winge when they cant afford anythig in the new year
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# 18
Malky
Old 06-12-2009, 11:08 PM
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No surprise the OP has disappeared after hearing what she didn't want to hear.
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# 19
noah271007
Old 06-12-2009, 11:30 PM
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You can get a lot for a relatively small amount of money to spend nowadays.
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# 20
sp1987
Old 06-12-2009, 11:43 PM
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I cannot believe someone is asking for a loan to buy christmas presents....500 at that!! Better the children learn what can and cannot be afforded now than end up disappointed next time around when the 500 cannot be borrowed and this 500 is still being paid back, with help from bailiffs taking away this years presents!

:rolleyes:
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