Social Fund - Budgeting loan

Anubis_2

wellynever wrote: »

Did you even read what i had typed ?

I could put down i want to build a rocket to fly to the moon and i would still get a loan, Helps being in the support group as they know i cannot drive or have a holiday,

And as for putting something away, Well thats what my credit cards are for, Yes shock horror people on benefits have credit cards.

Er.... I don't think so!

wellynever

Anubis wrote: »

Er.... I don't think so!

Please read my last post,

And yes i can put that and other silly things and still get a loan, I usually phone them up to see if they got the forms back and usually end up with them having a laugh about what silly thing i've added to the form this time,

Next time i need a loan it will be because i want to train as a fighter pilot

ps: No one try anything like the above as getting a loan would be nil, It's only because they know me and my disabilities that i get away with it, And second week in April is the best time to apply.

Morlock

wellynever wrote: »

I usually phone them up to see if they got the forms back and usually end up with them having a laugh about what silly thing i've added to the form this time,

So, because you know them, and they know that you always put spurious, comical reasons when applying for a loan, you presume that everyone else can do the same. Yes, that works.

EDIT:Okay, just saw your edit.

wellynever

Morlock wrote: »

So, because you know them, and they know that you always put spurious, comical reasons when applying for a loan, you presume that everyone else can do the same. Yes, that works.

EDIT:Okay, just saw your edit.

Sorry yes quick edit as someone might be daft enough to put something like that.

Edinburghlass_2

uponahill wrote: »

Maybe there is but my comments are as valid as others are.

I was suggesting that instead of taking out a loan and having to repay it out of income (benefits) why hadn't the poster considered doing it in the reverse way - save the money that they will have to pay back each week/two weeks and buy the item(s) then?
There would then be no need for a loan.

I thought most people saw it that way. Buy things when you have saved up the money.

Or am I missing the point?

Your points aren't valid when you start ranting about what people may spend a loan on when you know nothing of the OP's circumstances.

Now I know from this thread...

https://forums.moneysavingexpert.com/discussion/3768165

that you object to people vilifying benefits claimants and are well versed through use of another couple of forums in how to claim and what to claim so next time it would be better if you share this vast knowledge with the OP of a thread rather than having a dig at them

uponahill

Morlock wrote: »

You are using an example where a claimant is lucky enough to get £100 in benefits, the majority of benefit claimants do not receive £100 per week.

I would challenge you to save £10 per week when your only income is £53.45 per week. Add in to the mix that you are responsible for two children three days a week, now try saving £10.

You are comparing your own situation with everyone else, when in reality a lot of claimants live on half the money or less that you get each week.

So right you are under 25 - £53.45 a week.
In addition you are entitled to 100% Housing Benefit & 100% Council Tax Benefit.

Plus as you are responsible for 2 kids 3 days a week, you should be receiving financial help from the PWR.

Even on that level of money with the extras that you are entitled to, you have only yourself to provide for.

Food, gas & electricity are the main expenses which would leave you with at least £5 a week spare!

uponahill

Anubis wrote: »

When you are under 25 and have just over £50 a week it is difficult to save as you still have water, gas, electric to pay as well as food.

Additionally someone with children would not have time to save if their washer broke - however when ours broke we went to the laundrette and then saved to rent one.

They do not give loans out for drugs, alcohol or cars fixing, or fir holidays, they are VERY strict on what they give it out for and it has to be PAID BACK.

In a perfect world everyone would put the perfect fiver away, but we do not live in a perfect world and it really is difficult to put money away. Every time I had a spare tenner, it would have to be used for kids shoes, or unexpected bus fare etc even when working.

Seriously for those trying to manage and run a house off £60 a week it's no fun, and some of these people have worked for years and suddenly lost their job and are having to adjust. If you are not at work you are also likely to use more energy, and prices today are expensive for everyone.

Don't judge until you have walked in their shoes. Some people have had to go from having their own home and working to their home repossessed and living in a bedsit. Not everyone who claims benefits is lazy....

There is no need to tell me any of that!
These loans ARE used for reasons other than what they were applied for.

As for walking in others shoes!! - I have been in places and lived a life that you wouldn't want an animal to live in!
I have made myself Xmas dinner, in a dirty, cold, damp and sqalid bedsit, with what I could find. 2 sausages & chips. No friends, no money.
Actually had to borrow money from the girl next door who made her money on the streets and spent most of it on weed.

OK that was years ago well before I was married. But that start in life taught me one thing - you can only spend your money once and there is no point in borrowing anything as you only have to pay it back!!

Money, house or possessions means nothing to me. I could be just as happy living in a wooden shed with my dog, miles from the nearest person.

Morlock

uponahill wrote: »

Plus as you are responsible for 2 kids 3 days a week, you should be receiving financial help from the PWR.

Yeah right, 'should' being the deciding factor, in practice that never (or very, very rarely) happens. If the PWC decides not to give the NRP money, the NRP doesn't get any.

uponahill wrote: »

Even on that level of money with the extras that you are entitled to, you have only yourself to provide for.

Unless of course you are a shared-care parent, then the child/children must be cared for too.

uponahill wrote: »

Food, gas & electricity are the main expenses which would leave you with at least £5 a week spare!

More than enough to take out an interest free loan in that case, and pay it off at £3.50 per week, which renders your theory, that people who take out these loans are irresponsible when budgeting, obsolete. They can afford it and have £1.50 left per week to spend on whatever they choose. A life of luxury!

uponahill

Morlock wrote: »

Yeah right, 'should' being the deciding factor, in practice that never (or very, very rarely) happens. If the PWC decides not to give the NRP money, the NRP doesn't get any.

Then that is your responsibility to sort out. You are entitled to financial assistance but you just accept that you don't get it!

Unless of course you are a shared-care parent, then the child/children must be cared for too.

Like I said above - shared care parent = shared income paid because of the child - CTC, Familly allowance.


More than enough to take out an interest free loan in that case, and pay it off at £3.50 per week, which renders your theory, that people who take out these loans are irresponsible when budgeting, obsolete. They can afford it and have £1.50 left per week to spend on whatever they choose. A life of luxury!

Hey don't knock it! being £1.50 in the black is sheer luxury when you could be £1.50 in the red!

I go around with never anymore than 20p in my pocket!
That 20p stays there for as long as I can make it - it is a challenge, I would do without just to keep that 20p.

There's an old saying: Income £1 expenses £1.01 = misery, Income £1 expenses 99p = happiness!!

Morlock

uponahill wrote: »

Then that is your responsibility to sort out. You are entitled to financial assistance but you just accept that you don't get it!

There is no 'entitlement' whatsoever, it is entirely at the discretion of the PWC.

uponahill wrote: »

Like I said above - shared care parent = shared income paid because of the child - CTC, Familly allowance.

See above, same answer. There is absolutely no official entitlement whatsoever for a non-resident parent to receive any financial assistance from the Government, nor from child-related benefits that the PWC receives, even if that NRP has 50% responsibility.

If the PWC says 'No', that is the official stance.