Urgent Loan

tishe

I really need a £3000 loan, i have bad credit and not working, i know i probably aint gonna get one but im seriously out of options and tried everything! I need the money to pay me rent so i can keep my house! none of my family will help me, i just feel so low!

randomnut

If you're not working you won't get a loan. You may be entitled to get some housing benefit and get rent paid though?

youngie

you need £3000 to pay your rent!!!

worried48

Are you claiming housing benefit? Is this rent arrears or what?

tishe

it is for rent arrears, i have got myself into a right mess ever since being made redundent everything has just got worse and worse, i do get some housing benefit but not a lot and dont know where else to turn

Xiderpunk

Sorry to hear you have run into some difficulty. First of all, don't panic and try not too allow the situation to get you down too much.

The reality is with both a previously bad credit history and the fact that you are not currently working it is highly unlikely you will get a loan. If you do manage to get one it will be at an extortionate interest rate which will likely make your problems worse and not better.

It seems to me, getting a job immediately is paramount, any job should be considered.

dealer_wins

OP I hope you manage to sort out your situation, but borrowing will only make it worse.
Instead of rent arrears to deal with you will have rent arrears plus a loan default, letters, phone calls, bailiffs etc

And looking at it from the lenders point of view, they would be throwing £3000 down the toilet lending you the money as you havnt got the means to make repayments.

OneLife_OneShot

You won't get one, simple as that. I hope you can get sorted out but no lender will be willing to lend to you.

Peelerfart

OP it might be worth posting on the DFW board,and maybe even the work and benefits board.

Sorry but a loan isn't the answer and it sounds to me like you aren't going to get one of any repute anyway.

Good luck
PF

worried48

How far short of your rent payment is the housing benefit payment you get? It might be that you will have to consider a serious downsizing.

poppasmurf_bewdley

Other posters are correct. You won't get a loan from anyone except Thug and Slug, the local loan sharks - and even they may think twice as you have no means of repaying.

You say your problems started when you were made redundant. Did you apply for Housing Benefit/Housing Allowance and Council Tax Benefit immediately? If you are only receiving Jobseekers Allowance, you should get the full rate of HB/HA, but if it is HA you may not receive an amount to cover your full rent.

Are you a private or social tenant? How much back rent do you actually owe? How about council tax? What other debts do you have?

This information is really needed before we can offer constructive help.