Declare loan?

Deepmistrust

lita wrote: »

I just wanted to find out if I would be able to get a loan for the next year and then when my son goes to nursery I would get a job. If you are implying that I was going to spend the money and then declare myself bankrupt so I didn't have to pay it back then you are very much mistaken! Don't tar us all with same brush please:mad:

Wow! Such a simple question and I get accused of being fraudulent!

Haha, that's mild there are some people on this board that seem to take far too much pleasure out of turning an innocent question into a full-blown fraud-interegation.

Seriously, i don't think he meant you were intending on doing something fraudulent, but rather doing something so silly, that it could result in your bankruptcy.

You really will not be doing your son any favours by racking up 15k worth of debt just to take a year off work. If you can't manage without the loan, then working really is your best option. Most childminders and even nurseries will take children from 3 months old.

Deepmistrust

lita wrote: »

I didn't mean that I would declare it as wages, I just meant that if that money was sat in my account and me using some on a monthly basis would I have to declare it and before anyone says anything - if I needed to then I would but am just unsure if I would need to.

I have tried finding work but can't find childcare that I am happy with unfortunately.
I am not comfortable leaving my 7 month old in a nursery or with random strangers ie childminders at his age so that's out but to work I would need childcare as my partner works random shifts so it is also difficult for me to work around him because not many jobs are as flexible as I would need.

Thank you for your reply

But the loan would need repaying immediately, so from month 1 would you be saddled with loan repayments.
I understand if it's your first baby, but childminders are qualified professionals, trained and HIGHLY experienced (even better than nurseries in my opinion), because they offer a home-from-home environment with the opportunity to do normal family routines, regular outings, and still in the care of a professional who will follow Ofsteds EYFS (Early years foundation stage) to the standard that any nursery will. Childminders are also usually more flexible to work around shift patterns, than nurseries. How many childminders have you interviewed?

lita

Deepmistrust wrote: »

Haha, that's mild there are some people on this board that seem to take far too much pleasure out of turning an innocent question into a full-blown fraud-interegation.

Seriously, i don't think he meant you were intending on doing something fraudulent, but rather doing something so silly, that it could result in your bankruptcy.

You really will not be doing your son any favours by racking up 15k worth of debt just to take a year off work. If you can't manage without the loan, then working really is your best option. Most childminders and even nurseries will take children from 3 months old.

I'm sorry but I really beg to differ "It wouldn't be hard to prove this is your intention".

Anyway..... I managed to get a temporary job a few weeks back and after trying to sort out childcare for my son who I really do not want to leave, I ended up at the doctors having my anti-depressant dose doubled after having a breakdown because I found the idea of leaving him so upsetting, because of this I do not feel it is in the interest of my health to try it again soon. I am happy enough to be skint and stay at home to look after him but was just weighing up my options.

Thank you for replying

lita

Deepmistrust wrote: »

But the loan would need repaying immediately, so from month 1 would you be saddled with loan repayments.
I understand if it's your first baby, but childminders are qualified professionals, trained and HIGHLY experienced (even better than nurseries in my opinion), because they offer a home-from-home environment with the opportunity to do normal family routines, regular outings, and still in the care of a professional who will follow Ofsteds EYFS (Early years foundation stage) to the standard that any nursery will. Childminders are also usually more flexible to work around shift patterns, than nurseries. How many childminders have you interviewed?

I never got round to interviewing any too be honest because just the stress of trying to ask family as a short term solution while I worked a 2 week temporary job made me ill. I had an interview for a job that would have meant I could work around my partners shifts but found out on the Monday that I didn't get it, on the Tuesday I found myself a temporary job and then spent the day trying to arrange childcare at short notice, by 6pm on the Tuesday I was in the doctors office in hysterics.
My partner and I decided that day that I would not work until he was a little older and because of this I haven't looked any further into childcare.

Deepmistrust

lita wrote: »

I never got round to interviewing any too be honest because just the stress of trying to ask family as a short term solution while I worked a 2 week temporary job made me ill. I had an interview for a job that would have meant I could work around my partners shifts but found out on the Monday that I didn't get it, on the Tuesday I found myself a temporary job and then spent the day trying to arrange childcare at short notice, by 6pm on the Tuesday I was in the doctors office in hysterics.
My partner and I decided that day that I would not work until he was a little older and because of this I haven't looked any further into childcare.

Ok, but you really are in a panic over nothing. Millions of people have to leave their babies in childcare, some for over 40 hours per week. If you interviewed a varied selection of childminders and nurseries, you might be pleasantly surprised. It may indeed benefit your son, to have this stimulation for about 16 hours per week (that's only just over 3 hours per day). If it benefits the family finances and stops you getting into debt, this has to be worth it. Especially if you are really depressed perhaps (please don't take this wrong), it may even be good for him to be in a happy atmosphere socialising with other children and adults.

Deepmistrust

lita wrote: »

I'm sorry but I really beg to differ "It wouldn't be hard to prove this is your intention".

Anyway..... I managed to get a temporary job a few weeks back and after trying to sort out childcare for my son who I really do not want to leave, I ended up at the doctors having my anti-depressant dose doubled after having a breakdown because I found the idea of leaving him so upsetting, because of this I do not feel it is in the interest of my health to try it again soon. I am happy enough to be skint and stay at home to look after him but was just weighing up my options.

Thank you for replying

Ok re-reading it, it does sound harsh. I never read your post that you would intend to commit fraud. It's quite sad that somepeople see fraudsters everywhere. Don't worry, they probably see dead people too

lita

Thank you for your advice I think I will stay off for a month or 2 just to sort myself out and then will try to find something.

Where is the best place to look for information on local nurseries and childminders?

alwaysonthego_2

Try http://childcarefinder.direct.gov.uk/childcarefinder/ for info on childcare provisions. You can read their ofsted reports online.

lita

Thank you

Deepmistrust

lita wrote: »

Thank you for your advice I think I will stay off for a month or 2 just to sort myself out and then will try to find something.

Where is the best place to look for information on local nurseries and childminders?

your local family information service (FIS) is the best place to start, do you have a Sure Start childrens centre near you? They may also have a list of childminders and go through your options.

The link in the above post is a full list of all providers who have opted to have their details supplied on the government website, so it will miss off lots of childminders in your area. The FIS will give you a full printed list.
http://www.familyinformationservices.org.uk/index.php?option=com_comprofiler&task=userslist&listid=2&Itemid=73

Scroll to find your local area, and give them a ring, they are in touch with their local childminders, and are the best people to start with.