Crisis Loan

flowergirls

Would i be able to apply for this as i have been of work for 10 weeks. I am on ESA but i amnot getting any money, as i have not paid enough NI. My husbands works he is self employed and earns about 13,000. We have 3 children. So me not earning any money is very hard do u think i would get a crisis loan?

alwaysonthego_2

Why do you want to ask for a crisis loan?

flowergirls

To help get there bits for school and for food shopping

Zara33

flowergirls wrote: »

To help get there bits for school and for food shopping

:silenced::silenced::silenced: I must be good.

Zara33

Crisis Loan

Need help in a crisis, nowhere else to turn?
What is a Crisis Loan?

This is a tax-free loan. No interest is charged but you do have to pay the loan back.
We will only award a Crisis Loan if there is no other way you can get help.
You do not have to be on benefits to apply.
What is it for?

A Crisis Loan is for something you need at once:

• in an emergency, or
• because of a disaster,

and the help you need:

• is not available from anywhere else, and
• is the only way to stop serious damage or risk to you or your family's health and safety.

You may also get one if you need help to pay rent upfront, but only if you are leaving care and getting a Community Care Grant.

http://www.jobcentreplus.gov.uk/JCP/Customers/WorkingAgeBenefits/Dev_013949.xml.html

alwaysonthego_2

Are you claiming CTC and WTC?

You could get help with your rent if you check with your LA.

You will not get a crisis loan for food shopping and school uniforms if you have a income of £13000.

flowergirls

We have mortage and a lot of debt. We were just starting to get somewere with ur debt and ths happens. I broke my ankle at work and had to have an a plate but in it. I don t know how much longer i will be off. Hope cast is coming off on Tuesday. But it will be a while before i can go back to work.

alwaysonthego_2

flowergirls wrote: »

We have mortage and a lot of debt. We were just starting to get somewere with ur debt and ths happens. I broke my ankle at work and had to have an a plate but in it. I don t know how much longer i will be off. Hope cast is coming off on Tuesday. But it will be a while before i can go back to work.

You should go to the CAB and get help with negotiating with your creditors.

Just make sure you keep paying the mortgage/secured loans over your credit cards and unsecured loans.

flowergirls

R u able to talk to CAB on phone as i am not able to get out of the house during the day. And my husband doesn t get in until 6.

alwaysonthego_2

flowergirls wrote: »

R u able to talk to CAB on phone as i am not able to get out of the house during the day. And my husband doesn t get in until 6.

Yes you can or email them.

The cab give out this info pack out for debt clients.

If you cna give further info on your debts perhaps I can help further, do you have any priority debts?

flowergirls

At the moment ur mortgage is up to date. But i already have arrangements with my credit cards and catologue. What info do u need to help me