Loan for single mother on benefits

ILW

If she has £100 a month to spare, why is she in the doo doo in the first place?
And as far as needing her own indepence, she is not independent but just living off the state, ie other peoples money. Sorry but this attitude does annoy me.
Any reason why the childs father should not pay off her debts?

kerri_gt

I'm sorry to read that there seem to be so many judgemental people on this thread, I always thought this was a nice forum where people offer advise rather than just criticise.

I do agree with some of the other (more helpful) members that although getting a loan might seem like a good idea, even if your friend could get one, it would be of a really high interest rate - thus she'd need to spread it over a significant amount of time when her circumstance could easily change.

There have already been some good suggestions about organisations she could talk to. Would your friend consider moving back in with her mother? I know it's not ideally what she'd like to do but it could be a short term way of getting some of things clear that she'd like to, then when she's ready, she can step out herself again. Perhaps she could look at some form of work (though I don't know how this would affect her benefits) if her mum was willing to perhaps help with a little child care? I agree with a point a couple of the other have made that I am sure her mum wouldn't want her taking out more debt in order to pay her back - the fact she's asked for the money (which is entirely reasonable) suggests she doesn't realise the pickle her daughter may be heading to.

ILW

kerri_gt wrote: »

I'm sorry to read that there seem to be so many judgemental people on this thread, I always thought this was a nice forum where people offer advise rather than just criticise.

Sorry, but what is wrong with being judgemental, it is required to make any society work.
Would you prefer it if everyone just did whatever they wished with no regards for any consequenses.

Fang_3

She moved out of her mother's to be independant but then borrowed money from said mother to do it? Anyone else see the problem in that statement. OP - your 'friend' can't afford it and she may soon find herself with even less money. Can't the father(s) of her children help her, or are we expected to pay for them too?

kissingthepink

Can she not ask the dad/s to help her out?

buffbuff

carlbcfc wrote: »

Income support.

Let the tax payer pay it off ? :rotfl:Tell her to get a job and pay for it her self.

buffbuff

ILW wrote: »

If she has £100 a month to spare, why is she in the doo doo in the first place?
And as far as needing her own indepence, she is not independent but just living off the state, ie other peoples money. Sorry but this attitude does annoy me.
Any reason why the childs father should not pay off her debts?

Well said. :T:T:T

AnxiousMum

OP - maybe as a true friend that believes in all honesty that your friend can afford this loan, and will make the payments - but also realising that she won't qualify for a decent rate due to being on benefits - maybe you (as you say you are working?) would be able to take out a loan in your name, and loan this to your friend to take care of her debts, and she can pay you back a more reasonable amount each month? That way - you get the help for your friend, and she gets a loan at a reasonable rate, and the mum gets her money back. Win Win Win all around! Right? No, didn't think so - If you are that convinced that your friend can afford the loan and will be able to make the payments - then go for it. But if you wouldn't feel that she could keep up the commitment - then you would have to assume that any lender would feel the same way.
Instead - maybe sit with your friend and help her work out a budget so that she can live on what she actually has available to her each month. Tear up her catalogues while you're there. I actually had a look at one today - and couldn't believe the extremely over inflated prices that they charge!!!!!! Wow - way to double what you pay for things.

If your friend is looking for independence, maybe she chose the wrong time to try to get it. It's been mentioned above, but maybe she could look into moving back in with her mum for a while - mum could help look after the kids while your friend got some skills, some work experience - TRULY enabling her to become independent when the time is right to move back out again.

How old are your friends 'young children'?

Swampmonster

Just found this thread and I am shocked how rude everyone is being to each other!

It never used to be like this!

MyRubyRed

Swampmonster wrote: »

Just found this thread and I am shocked how rude everyone is being to each other!

It never used to be like this!

I don't think its a case of people meaning to be rude. In this instance members have tried pointing out that taking a loan is not the answer