No loans for disabled people....

adenufnow

tomtontom wrote: »

Can she not save up for whatever it is she wishes to use the loan for? I don't understand why she does not want to use her savings - even if she could get a loan the interest rate would be higher than than on the savings.

Unless you live with a disabled person following a severe CVA you will not understand how pedantic and fixated they can become.

Part of the problem is her dad is still alive (worth a lot of money)and is the tightest person on the planet...he thinks its better to get a loan than use the cash you have....lol

missbiggles1

adenufnow wrote: »

Unless you live with a disabled person following a severe CVA you will not understand how pedantic and fixated they can become.

Part of the problem is her dad is still alive (worth a lot of money)and is the tightest person on the planet...he thinks its better to get a loan than use the cash you have....lol

Why does what her father thinks come into it - I assume she's an adult.

wiltsguy_2

adenufnow wrote: »

Unless you live with a disabled person following a severe CVA you will not understand how pedantic and fixated they can become.

Part of the problem is her dad is still alive (worth a lot of money)and is the tightest person on the planet...he thinks its better to get a loan than use the cash you have....lol

could she not borrow it from her father? at least it would interest free and she wont have to touch her savings?

cifpower

adenufnow wrote: »

First of all if you want to get political I will do but please keep you opinions to your self. I asked a question based on what has happened BECAUSE of this government and its introduction of PIP.

Speaking to Lloyds its because PIP is no longer an indefinite benefit and employment support is now liable to sanctions.

Despite the fact my wife had a stroke 15 years ago and still can not speak much and has NO use in the right side at all. She was assessed as lifetime recipient under DLA.

For what its worth I have no doubt she worked harder before the stroke than you have ever done in your life.

BUT thats beside the point.....what happened to the statement on the forums that you will be helped NOT judged.

For your information my wife has a decent amount of money in a bank account left to her by her late mother but due to her disability, she will not use it as she feels it is disrespectful to her mother. Yes I know its not,
but these are the unseen issues we have to live with....

DLA was never an indefinite benefit. The award may have been for an "indefinite" period but this did not mean it would continue to be paid for ever without care and mobility needs EVER being checked.

Can you imagine what the newspapers would be like if there were stories of people on welfare being given multi-thousand pound loans?

As a country we agree that those who are unable to help themselves will be helped through welfare. Those of us who pay tax agree, through the government that is elected, for our tax to be given to people with disability and sickness which gives them a decent standard of living.

Banks are understandably wary of granting unsecured credit to those in receipt of welfare.

leespot

Disabled people can get loans - but it depends on their risk level and the banks own lending criteria, not the government.

It might be better for you to get the loan for your wife, and have her repay you each month? Failing that, the savings is the only other option. I won't pretend to understand her reasons for not wanting to user her savings, as to each their own, but it makes no sense at all to repay interest on a loan when you have the money in the bank.