Budgeting Loan

Confuseddot

Budgeting loan seems like a quick fix to a long term problem then isn't going away, bit like applying a band aid to a brain injury it may help for a minute but then causes its on problems later on. statement on the debt free wannae be may be the way forward and maybe a look at her housing situation. Applying for a council house or seeking out somewhere within the LHA so she not having to spend money in that would help long term I think.

GlynD

Confuseddot wrote: »

Budgeting loan seems like a quick fix to a long term problem then isn't going away, bit like applying a band aid to a brain injury it may help for a minute but then causes its on problems later on. statement on the debt free wannae be may be the way forward and maybe a look at her housing situation. Applying for a council house or seeking out somewhere within the LHA so she not having to spend money in that would help long term I think.

How is buying a bed and a mattress a "quick fix to a long term problem"?

Nada666

GlynD wrote: »

How is buying a bed and a mattress a "quick fix to a long term problem"?

Using an £820 budgeting loan on something she can buy from her spare month to month income is a quick fix. Okay, she may not spend the £820 or ask for it - but in that case there is no need for a budgeting loan.

Confuseddot

Not being able to save for a bed and mattress both not needing to be bought at the same time doesn't bode well when winter coats and boots need to be purchased.

http://www.argos.co.uk/static/Product/partNumber/7388512.htm

http://www.argos.co.uk/static/Product/partNumber/6594307.htm

GlynD

Nada666 wrote: »

Using an £820 budgeting loan on something she can buy from her spare month to month income is a quick fix. Okay, she may not spend the £820 or ask for it - but in that case there is no need for a budgeting loan.

For items such as these she may actually qualify for a grant, not a loan. She needs a bed for herself urgently and I would consider a mattress for a child to be an urgent need too. If she's able to get these things through the methods I've given her then she won't need to apply for either. You should really read the whole thread.

princessdon

I hate to think of anyone on a mattress no bed and or a baby foam mattress for a toddler, I have no issues with her loan

However, I don't understand why they won't look to ensure they are getting all benefits.

They may receive a back payment more than the loan and not need to apply. It's that part I don't get, if I was told I was getting less money and was strapped for cash it's the first thing id do!

GlynD

princessdon wrote: »

I hate to think of anyone on a mattress no bed and or a baby foam mattress for a toddler, I have no issues with her loan

However, I don't understand why they won't look to ensure they are getting all benefits.

They may receive a back payment more than the loan and not need to apply. It's that part I don't get, if I was told I was getting less money and was strapped for cash it's the first thing id do!

The girl has already said that she checked with others and the local benefits office to ensure she was getting everything she was entitled to.

justlooking2012

GlynD wrote: »

For items such as these she may actually qualify for a grant, not a loan. She needs a bed for herself urgently and I would consider a mattress for a child to be an urgent need too. If she's able to get these things through the methods I've given her then she won't need to apply for either. You should really read the whole thread.

Do you mean applying to charitites?

If so you are telling someone who has her rent paid, gets benefits.
Can afford a laptop, internet, scratch cards and hair do's to apply for to a charity that is designed for people who are genuinely in need. Not spending you're money inappropriately does not mean you are in need. We are not going to agree on this, but you have you're opinions and I have mine.
If you think that telling someone to get more stuff free is a suitable solution then fine, but what happens when that option is no longer there.

Oh and by the way, the only person who has been rude in this thread is you.

princessdon

GlynD wrote: »

The girl has already said that she checked with others and the local benefits office to ensure she was getting everything she was entitled to.

Well they need to change every on line calculator then and other pages


http://www.hmrc.gov.uk/taxcredits/people-advise-others/entitlement-tables/no-work-child.htm

Shows £115 pw CTC, plus £33.70 CB, plus her IS.

They cannot ALL be wrong!

I think they have her claim wrong and she needs to ask why she's not being paid what she needs.

justlooking2012

princessdon wrote: »

Well they need to change every on line calculator then and other pages


http://www.hmrc.gov.uk/taxcredits/people-advise-others/entitlement-tables/no-work-child.htm

Shows £115 pw CTC, plus £33.70 CB, plus her IS.

They cannot ALL be wrong!

I think they have her claim wrong and she needs to ask why she's not being paid what she needs.

I think its more likely that she is receiving all the right benefits