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Loan for a 18 year old
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Absolutely, get on the list. Once you are seen by a consultant who says you can go on the list, emphasise that you would take any cancellation to get it done quickly. I need a hip replacement but am not even on the list yet because, after seeing the consultant, frankly the problem is not so difficult to live with that I want to push for surgery and no-one is bothering to get in touch with me, despite the consultant promising six months ago to write to my GP. A friend of mine who didn't even need a stick (I need two and can hardly walk even then) got surgery within three weeks of seeing the consultant because she said she would take a cancellation. If you push, you'll get it. Perhaps not this year but it might well be another wet summer anyway.
You're desperate, push, get to the consultant, get on that list, accept any cancellation you are offered. Meanwhile, if you are saving and if you are using credit responsibly (pay it off in full every month!) you will be building up good financial standing for something you want. Many of us here fell into the debt trap at your age, you can learn from our mistakes.0 -
I'm in 2 minds if this is serious or whether its another thread like the leg stretcher person. Anyway that aside, get on the waiting list, the sooner you get on it the better for you.0
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listen to what has been said. you have had it since birth so just wait for the nhs. no point getting into debt for it. though some private hospitals do offer credit.0
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Let's face it, you've survived both childhood and teens - about the worst possible times for bullying, name-calling and general nastiness. If you can do that, you can do anything!0
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Get on the waiting list.
Save £210 a month for two years.
Then, if the NHS haven't fixed it and it's still a problem, you can pay for treatment without a loan.0 -
lailastaf100 wrote: »Is there anywhere I would be able to get a loan for about £5000 with little to no credit history at my age? I am very confident that I would be able to pay it back as I live at home and don't have too many additional expenses.
You are in a very good position to save money so you should be putting well over £200 a month into a savings account.
If the birthmark is your most important issue, you will remain living at home for many years to come if you spend it on private treatment, that £200 savings could be going toward your rental/home deposit.
Think of everything else you need too, a car for example. Once you have one of those you will never be saving.
If you move out in the next 6 years you will need a fairly good pot of money for furniture, bills, utilities.
Get on the waiting list and keep saving. The saved money is better spent elsewhere but it will be available if required.
Think yourself lucky your birthmark is only visible when you take your shirt off, lots of people have them on their face, how many times have you pointed at them and laughed?
In adulthood people aren't as cruel as you think.0 -
Could your Mum & Dad help? Perhaps with an interest free loan, paid back over a long period.I used to think that good grammar is important, but now I know that good wine is importanter.0
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iolanthe07 wrote: »Could your Mum & Dad help? Perhaps with an interest free loan, paid back over a long period.
The OP already said in the first post that their mother couldn't afford to pay for it.0 -
opinions4u wrote: »Get on the waiting list.
Save £210 a month for two years.
Then, if the NHS haven't fixed it and it's still a problem, you can pay for treatment without a loan.
THIS!!! Or even £420 a month for a year, if they havnt got any closer to it, get it done private.:eek:Living frugally at 24 :beer:
Increase net worth £30k in 2016 : http://forums.moneysavingexpert.com/showthread.php?p=69797771#post697977710 -
Some serious saving would be an excellent plan. For one thing it would get the OP into the habit, which in itself is a good way to prepare for the future. It would also enable the OP to accumulate some capital which can then be used for anything that the OP wants. Including, if necessary, paying for private treatment a year or two down the line if the NHS haven't offered to help by then. Good luck with sorting your problem.I can afford anything that I want.
Just so long as I don't want much.0
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