We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

crisis loans and budgeting loans, help needed.

2

Comments

  • nannytone_2
    nannytone_2 Posts: 13,004 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    obviously i cant say that you'll definately get a crisis loan, but under the circumstances i really cant see why theyd refuse
  • ebsay
    ebsay Posts: 122 Forumite
    The Government has introduced changes to Crisis Loans.

    Receiving one, no matter how justified, is now extremely difficult!
  • joeblack066
    joeblack066 Posts: 1,757 Forumite
    You will not be able to get a CL for bills, only for food and Gas/Elec only if they are on a card meter. They may well direct you to a food bank as stated previously. Hope you and your child are ok.
  • flutterby_lil
    flutterby_lil Posts: 1,879 Forumite
    What area are you in?
  • emilia1
    emilia1 Posts: 42 Forumite
    joeblack066 wrote: »
    You will not be able to get a CL for bills, only for food and Gas/Elec only if they are on a card meter. They may well direct you to a food bank as stated previously. Hope you and your child are ok.
    I really dont mind being directed to a food bank, and my gas and electric are on meters.
  • emilia1
    emilia1 Posts: 42 Forumite
    flutterby_lil wrote: »
    What area are you in?
    Im in the pendle area, lancashire.
  • Dontknowanymore
    Dontknowanymore Posts: 5,522 Forumite
    ebsay wrote: »
    The Government has introduced changes to Crisis Loans.

    Receiving one, no matter how justified, is now extremely difficult!
    No it's not. If the OP has no money, food etc and a child it really isn't that hard.
  • Paul_01
    Paul_01 Posts: 409 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    ebsay wrote: »
    The Government has introduced changes to Crisis Loans.

    Receiving one, no matter how justified, is now extremely difficult!

    From everything the OP has said, it will be highly unlikely that she will be refused.

    She will be offered the current daily rate for food that the Crisis Loan people work from, for people in her circumstances i.e. one adult with a child. It's not much, but f you're used to eating on a budget then it will be enough.

    If you're electricity and gas meters are running low (you will be asked what the credit remaining is), then they will give you enough to get through to your next 'payday'.
  • galeforce81
    galeforce81 Posts: 10 Forumite
    I have always wondered why the DWP are so reluctant to give out crisis loans seeing as they have to be paid back.
  • Paul_01
    Paul_01 Posts: 409 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    galeforce81 wrote: »
    I have always wondered why the DWP are so reluctant to give out crisis loans seeing as they have to be paid back.

    If they were (even) easier to get, they would be (even) more inundated than they currently are. There is simply not enough in the budget.

    As for paying it back.....many don't pay it back at all, or only partially.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture