Social Fund Debt ?

astonsmummy

You will not get a budgeting loan, if you are that desperate you could try for a crisis loan but I doubt very much you will get one.
What items do you need?

AsknAnswer

astonsmummy wrote: »

You will not get a budgeting loan, if you are that desperate you could try for a crisis loan but I doubt very much you will get one.
What items do you need?

He may get a budgeting loan, if the £14000 debt he is in relates specifically to crisis loan debt. The maximum he would get is £100.00 though given that he only has £100.00 in his total SF debt to play with.

I agree others are being harsh on the OP. A woman in a town I worked in a few years ago had a house fire, lost everything she owned, and also lost her husband and baby twins. She and the oldest were the only survivors. Her husband and she both worked in minimum wage jobs, although she was on maternity leave at the time. Her husband was the person in the household who oversaw all of the finances. She had thought there was an insurance policy. Imagine her devastation when she discovered her husband had stopped paying the premiums. Yep. No insurance. Zip. The little savings she had were used up to pay to get the house back into a habitual state. People helped her out replacing the little items but she had to get a Crisis Loan to get larger items such as a cooker, fridge, beds for her and her daughter etc once the house was safe to enter again. She got the full amount she was permitted to, which took her to £200.00 under the debt limit. What an awful situation to be in.

My point is, this is what Crisis Loans are for. Times where a person is in crisis or disaster. If the OP had been through similar and that is what has resulted in the SF debt being so high, I wouldn't be surprised he/she does not wish to disclose those details.

From the other perspective, although it is unfortunate that people will draw their own conclusions when information is not shared, it's not surprising given the rubbish that gets trotted out on this forum on a daily basis. We live in a world where so few people these days take responsibility for themselves, and that is seen all too often on this board. So I don't blame Viktory for drawing conclusions. I do it too, as do others.