Advice on a Join Loan.

Kefte

I'm trying to work out why it takes two adults to care for a 11-year old autistic girl. I assume there must be something physically wrong with either of you? Does she attend school? (A friend of mine home-schools her autistic child and there is nothing wrong with this)

I know it would probably hard on her, children with autism hate disruptions in their routines, but I cannot see any truly valid reason for one returning to work in some suitable arrangement?

btw - My son is disabled - he has a multiple of problems including severe epilepsy and autism. And he finds it very hard that his Father works but it's for our finances so we can get by and have a car, pay our motgage - the things we want basically - well he works. Yes, I find it very hard being my son's sole carer - he regularly cannot attend school, he's violent etc.. and I don't have any outside support where I live. In an ideal world I'd have someone I could rely on full-time, but that would mean we'd struggle to get by. also, my partner is home in the Evenings and at a weekend, I do get some respite. Perhaps you have to make the choice?

If there is a good reason why one of you cannot attend work, then I'm sorry for this post. But I think sometimes if you're finding getting by difficult you have to have an indepth look at what you can do about it.... A loan is only ever going to finance the here and now, what about the future? Best of Luck. xxxx Autism is very hard.

KingElvis

^^^ very kind and true words there Kefte, the kind of thing I wanted to write but lacked the practical experience of the situation.

Best post of the thread so far.

Kefte

also, have you heard of Family Fund for disabled children and carers?

geoffky

GET a car on dla mobility..thats what it is meant for..

Kefte

geoffky wrote: »

GET a car on dla mobility..thats what it is meant for..

They'd have to have high-rate mobility allowance to get this. It's unlikely with just autism they'd have this, although if they do have mobility issues it could be worth having it re-assessed. Do you get DLA/carer's allowance btw?

http://www.familyfund.org.uk/ - although it won't help you get a car (I don't think), you might be able for some sensory toys, white goods - something else that the loan was intended for or make your life easier. xxx

somethingcorporate

If you partner has the income from benefits and it is going to be their car I can see no benefit in your getting involved for the sake of clearing a few hundred quid of debt - you'll be tying your finances together which could be dangerous given your partners credit history.

I agree this is a bit of a fruit-loop thread, Idon't think I have never read something quite so abstract on MSE before.

Brock_and_Roll

I know little about the benefits system but for my sins, I work in banking....

As other have alluded to earlier in this thread, there is no chance whatsover that the OP will get an unsecured loan for any amount amount or term. Banks have done some crazy things in the past, but are not in the habbit of lending to the unemployed or those on benefits for the simple reason it is assumed that the benefits received closely match expenditure and there is no headroom for repayments. The bank does not know and cannot be sure that any new loan would go to pay old debts.

Of course the OP may be able to get a loan from a shark, but the rates (and other consequences) will be so high that it will make the overall situation worse.

The obvious solution would be for one party to get a job, start paying off the debts and save for the car.

InFi[D]eL

I completely agree with what you have said regarding work. It does only require that one of us be here full time, that's why I am actively seeking full or even part time employment. It is a hard market, even harder out here in the country when we don't have so much as a bus route. Problems there may be in getting work, I don't intend on giving up, ever. I hate being unemployed with a passion.

The thing is, we can manage without the loan along as my housemate can get some sort of car finance. As I said earlier, we are both financially independent and both stable, eve if I did have a brief time of problems.


We don't qualify for a car via DLA as we class as a middle rate mobility component. Yes we do get carers allowance.

Brock_and_Roll

Still not sure why have to spend £1,000s on car these days.

I agree that really old cars can be a false economy, but if you stick to cars with bullet proof reliability.

A cursory look at Ebay Motors shows 26 Toyota Corollas, 99 Nissan Micras and 164 Mazdas all under £500.

The relaibilty on these cars are legendary. Personally I gave up "satus cars" yeas ago and I now run around in a "N" Reg Toyota Corolla. Not only is it 100% reliable, it is so cheap on the fuel I often forget the last time I put petrol in.

Surely, between you you could save up £500-£1000, especially if there is an existing car to sell.

RichGold

somethingcorporate wrote: »

If you partner.....

He has said they are not a couple.

InFi[D]eL wrote: »

The thing is, we can manage without the loan along as my housemate can get some sort of car finance. As I said earlier, we are both financially independent and both stable...

I still don't understand this thread. Not one bit.

Anyone care to fill me in?