Budgeting / Crisis Loan Problem

emanrese

Having once claimed a crisis loan I was interested in this thread. I read the OP posts carefully and wonder why others couldn't. When I claimed the reason I put on the form was "repayment of debts". They gave me the three hundred and whatever and I repaid the debts, so factually inaccurate oldernotwiser. As for doing research, the best place is probably the loanranger site, but you'll only get the basic rules and maximum amounts. What they actually give you is an arbitrary amount they never explain.

Not surprised kingfisherblue didn't notice s/he took out the HP deals when on benefit since it was never specified. Another assumption, like the one about who the debts were with. Then where did the OP say s/he was suicidal? That was an instance not a statement. The clue was in the word "if" at the start of the sentence.

As for those who say s/he should get rid of the Internet connection, that translates as "we don't want you in our little club, so go away". Sad really, and not getting any criticism for having the wrong attitude on the thread.

In the unlikely event glossyhair is bothering with this thread any more, here's some advice: if you post on a forum and are met with willful misunderstanding, forensic examination of your circumstances (that you've already had from the DWP) and unhelpful criticism, here's what to do: never apologise, say "thank you and goodnight", find a better forum and leave the obsessive multi-posters to get a life.

dmg24

emanrese wrote: »

Having once claimed a crisis loan I was interested in this thread. I read the OP posts carefully and wonder why others couldn't. When I claimed the reason I put on the form was "repayment of debts". They gave me the three hundred and whatever and I repaid the debts, so factually inaccurate oldernotwiser. As for doing research, the best place is probably the loanranger site, but you'll only get the basic rules and maximum amounts. What they actually give you is an arbitrary amount they never explain.

Not surprised kingfisherblue didn't notice s/he took out the HP deals when on benefit since it was never specified. Another assumption, like the one about who the debts were with. Then where did the OP say s/he was suicidal? That was an instance not a statement. The clue was in the word "if" at the start of the sentence.

As for those who say s/he should get rid of the Internet connection, that translates as "we don't want you in our little club, so go away". Sad really, and not getting any criticism for having the wrong attitude on the thread.

In the unlikely event glossyhair is bothering with this thread any more, here's some advice: if you post on a forum and are met with willful misunderstanding, forensic examination of your circumstances (that you've already had from the DWP) and unhelpful criticism, here's what to do: never apologise, say "thank you and goodnight", find a better forum and leave the obsessive multi-posters to get a life.

Welcome to MSE.

Feel free to shut the door behind you on your way out.

Asa

glossyhair wrote: »

Writing in an upset, but calm and factual tone of voice . .

I want to respond to ALL the comments above but I simply don't have the energy. I feel even more miserable than before I posted:-( I am a genuine, kind, warm human-being who is currently struggling alone and feeling very unstable and vulnerable. Living life on the edge is tough but you can't possibly know my background or history as I did not share it. Please believe me when I say that I never intended to be stroppy or short-tempered, I was merely expressing my frustration at the system and asking for advice from those who may have more info or experience of social loans. I didn't ask for for judgement on my personal circumstances nor opinions on what the money "should" be spent on.

I made a mistake in my post . . . actually the washing machine & fridgefreezer were already on HP before I lost my job and I have sacrificed and struggled to keep up with most of the payments rather than loose everything I had already paid for. BTW, the loan money is going on a variety of smaller things, including putting food in my empty cupboards, as well as the HP debt.

My internet connection (which is dirt cheap thanks to MSE info) is my lifeline allowing me to connect to the outside world when I am too unwell to do so in person. I am under contract but giving it up is not an option for me anyway. The main positive I have taken from the past year is that I have learned the real value of money and what is and is not important to me. I have metering disputes with Gas and Elec and I cannot switch until that is resolved, otherwise I have negotiated the lowest and best rates and deals for everything else; I've said goodbye to branded goods, given up my car, sold everything of value that is not essential, dropped insurances, subscriptions and memberships ad infinitum. I now live a quiet and simple life. My Mac (which I saved up for whilst still working) is my only remaining "luxury" and, perhaps that is wrong in your eyes, but it is my choice to keep something good in my everyday life. I am the best MSE'r I can be in the circumstances.

I sincerely apologise if I offended anyone . . that was never my intent. This truly is a heart-felt post so please read it as such.

im a new user here also and have found that most members are just plain a$$hole$ and want to see drama and they judge you, although they dont know you at all.

im sorry on behalf of the people on here, but dont feel like you have to explain yourself to these small minded people.