crisis loan, what crisis?

tigga_1961

hi, just having a whinge, ive worked since the day i left school at 16 have never claimed benefits but have recently gone on esa, due to depression and having cervical cancer diagnosed in oct, hopefully had successful hysterectomy for this anyway had to apply for a crisis loan as my washing machine which was old and from a family member is now in no fit state to use as its leaking water onto the electrics, and im sleeping on a mattress on the floor as my bed which has been broke a while was unfit for my recovering on, so rang today to progress chase the crisis loan to be told im being offered £60 !!!!!! am i meant to buy with that, at the moment i am handwashing what i can but cant get anything dry living in a flat i cant afford to heat, sleeping on the mattress is playing havoc on my spine and hindering my recovery, now got to wait of letter to even appeal, im not eligible for a budgeting loan as im on contributions based esa, which is fine but why have i paid ni for over 30yrs and i cant get any help when i need it? i dont drive, live in a village at the back of beyond and never go out as trying to survive on £64 per week im now wondering what is the point in going on? thanks for listening

looby75

rather than a crisis load you may be better applying or a budgeting loan, you do have to pay this back but only at a small amount each week. You would be able to borrow much more than the £60 you are being offered for a crisis loan.

jamespir

theyve changed everything completly i rang up for a crisis loan and they said they could arrange an appointment at the job centre next week and the fill in forms then they look at it
how can that be a crisis i need the money now not next week

Jowo_2

Sorry to hear of your experiences.

Don't forget there are other ways of getting furniture and appliances - freecycle, furniture charities, Gumtree freebies.

The following organisation will deliver for a small fee and offer big discounts to those on benefits.

http://www.emmaus.org.uk

tigga_1961

thanks for the advise as stated im not eligible for a budgeting loan, emmaus are for homeless people, i have a home but not sure how long im going to be able to maintain it freecycle ive used but am unable to get a washing machine as i live on my own have no family and few friends who will help, and stil recovering from surgery so cant lift anything ;_((

looby75

sorry I missed the bit about not being entitled to a budget loan.

Do you have a British heart foundation furniture/electrical shop near you, they often have washing machines at a very reasonable price, you wouldn't have to put very much towards the CL to get a washing machine from them.

Jowo_2

tigga_1961 wrote: »

emmaus are for homeless people, i have a home

Wrong. Emmaus sell their goods to the public and offer a discount to those on benefits despite being run as a homeless charity.

"goods for sale are usually priced at a level that will enable the Community to do this. However, Emmaus is also committed to helping people on low incomes, so most Emmaus shops will give a discount to people who could not otherwise afford to pay for items. You may require some documentation eg proof of receiving Benefits, to qualify for this."

http://www.emmaus.org.uk/67/buying-items

Look for other charities of this type on your area - Citizens Advice may be able to advise you of some.

tigga_1961 wrote: »

freecycle ive used but am unable to get a washing machine as i live on my own have no family and few friends who will help, and stil recovering from surgery so cant lift anything

Put up a wanted ad on Gumtree and Freecycle, as well as searching regularly for this item. The money you've been granted could pay for a man and van and someone to install it. If you are really lucky, you may be able to persuade the person donating it to drop it off and fit it in return for petrol and beer money if you explain about your mobility/health problems.

fantasia322

Jowo wrote: »

tigga_1961 wrote: »

emmaus are for homeless people, i have a home

Wrong. Emmaus sell their goods to the public and offer a discount to those on benefits despite being run as a homeless charity.

"goods for sale are usually priced at a level that will enable the Community to do this. However, Emmaus is also committed to helping people on low incomes, so most Emmaus shops will give a discount to people who could not otherwise afford to pay for items. You may require some documentation eg proof of receiving Benefits, to qualify for this."

http://www.emmaus.org.uk/67/buying-items

Look for other charities of this type on your area - Citizens Advice may be able to advise you of some.





Put up a wanted ad on Gumtree and Freecycle, as well as searching regularly for this item. The money you've been granted could pay for a man and van and someone to install it. If you are really lucky, you may be able to persuade the person donating it to drop it off and fit it in return for petrol and beer money if you explain about your mobility/health problems.

You search as the other posters have suggested for a second hand washing machine. Do you honestly think they are going to toll out for a new one, Sorry but the system just doesnt work that way. Tough but true.

KimYeovil

You've been paying national insurance contributions for thirty years but do not have even a couple of hundred pounds in savings? Sorry, that simply does not compute.

tigga_1961

KimYeovil wrote: »

You've been paying national insurance contributions for thirty years but do not have even a couple of hundred pounds in savings? Sorry, that simply does not compute.

well it does when you have only ever had a small wage to live on my last job was minimum wage, fetching home 198 pw, 93 of that was for rent then add on council tax, electric, gas, water, tv licence and 30 quid a week to get to work it goes no room for saving up, if thats the best advice you can offer i suggest u kindly keep it:mad:

dmg24

Firstly, no need for the language. This is a family forum.

Second, a washing machine is far from essential. No one is going to come to any harm just because they don't have a washing machine.

You have been offered good advice. Perhaps you should spend your energies acting on that advice, rather than ranting at people?