getting a loan when on benifits????

angelvoice222

hi just wondering if there are any companies that will give a loan to me (without screwing me over on interest)... i am on benifits (DLA, IB , IS) and do not have any other invcome what so ever!!!

Ephemera

Have you not tried a local credit union? You may need to save with them for a bit first but you will get a better rate.

You haven't said what the loan is for...is it for something you want or something you need? Can you raise the money in other ways? Can you save? Posting an SOA may help you to see where your money is going, that way you can save it yourself and not pay any interest!

angelvoice222

ill b honest its for surgery!!! no im not bein vain... its for a gastric band.... been waiting a year for an aopointment with the eating disorder clinic still no appointment and they dnt agree with surgery/ diets and hav bee quite blatently told by my doc that nhs wont do the surgery if you hav mental health probs!!! i wish i could save myself but considering the surgery costs around 10 grand will take me an age!!!

call me dumb but what is SOA
I've tryed askin for help from my family and my boyfriend but they simply can afford even a qwter of the money i need

Ephemera

An SOA is a 'Statement of Affairs' and it just helps you to identify where your money is going.

I'll PM you if that's ok (private message) just ignore me if you don't want to chat!

angelvoice222

ye sure pm away lol how will i no when i get a pm etc haha dnt use this site much ahha

Ephemera

You should have got my rambling diatribe by now.... hee hee hee

[Deleted User]

angelvoice222 wrote: »

hi just wondering if there are any companies that will give a loan to me (without screwing me over on interest)... i am on benifits (DLA, IB , IS) and do not have any other invcome what so ever!!!

Its perfectly possible for someone on dla/i.b./i.s to get a loan,although in these unusual times you will need a perfect credit rating,i`m on those benefits and got a loan from a large high street bank a few months ago at 6.9%apr:j

srichards

Yeah you would need to have an exemplery credit worthiness. Especially these days.

Have you had a look at what the monlthy repayments would be and if you can afford it without missing any?



Mind you, you could also get Reductil from the GPs for obesity. Its a good drug.

srichards

ah missed the bit where you said about mental heath probs, you might not - probably not be able to take reductil if youre on anti depressants.

angelvoice222

asked the doc about the weight loss drugs and they can have some adverce side effects not currently on any medication as they wont put me on any due to my weight!!!

im onli 19 so dont hav a credit rateing (i dont think) and wouldnt know how to!!!

srichards wrote: »

ah missed the bit where you said about mental heath probs, you might not - probably not be able to take reductil if youre on anti depressants.

srichards

Theres 2 that I know of, xenical - avoid like the plague, you'll !!!! your pants every time you trump!!

and reductil - these are good I have them myself - the side efects arent bad - dry mouth, thirsty, sometimes some trouble getting to sleep, a bit of constipation. but who cares if youre losing weight on them!

they help you to feel fuler quiker, and to curb your hunger.

there a forum I cant remember the name but google 'ukmedix reductil' there are dozens of women on the drug and they are losing phenomenal amounts of weight - trully staggering.

go back to the doc, they are for weight control/loss

also if you have no credit rating, thats just as bad as having a crap one in some respect so its likely you wouldnt get a loan tbh.

you can apply for yoour credit report for as little as £2, if you (or someone) does you a cheuqe.

sorry about the spelling tonight, i have a fag in one hand lol