Borrowing while on benefits. Is this allowed?

fed_up_and_stressed

cattermole wrote: »

It might be inevitable on this appalling run board by Mse but that doesn't make it right!

Why what business is it of theirs or yours?

Nanny and others gave factual answers.

The OP stated their reason for wanting to borrow.

I took it as gentle probing to ascertain if maybe grants could have been an option or if the repairs were needed or were a desire as queried by Torry before you posted. This is a moneysaving site after all. No need for hostility.

I think moderating decisions as to what other posters should or shouldn't post should be left to actual mods not self styled ones which may just push away people looking for advice and information.

Also if this is such an appalling board why are you here ? Genuinely intrigued ?

FBaby

Are you suggesting people with disabilities should live in houses that are falling apart?!

Why are you singling out disabled people? Many people see their house falling apart because they can't afford repairs. I was once a single mum, working full-time, paying high taxes, yet once I'd paid all my expenses, including childcare, I had very little disposable income left and couldn't afford a number of repairs. No double glazing on the house, I couldn't afford it.

So I'll return the question, are you suggesting that people who pay high taxes should live in houses that fall apart?

fed_up_and_stressed

nonnatus wrote: »

It's absolutely bonkers that the OP is provided with enough money to not only allow them to live comfortably, but also to be able to service re0payments on a loan of £300 per month.

It's not OP's fault. If they're being OFFERED the money, they're not likely to turn it down are they? Who would? The problem is the Benefit System as a whole, which is now completely out of control.

Obviously, mine is an unpopular view in these parts judging by some of the other reactions here.

I don't see them as living comfortably - their home needs substantial repair and they have zero savings.

merlin68

Sorry op is not poor. if they don't go out, smoke or drink, what is it going on?
I'm on same benefits plus op says his son is disabled and they have children, they'll be getting at least 400 quid a week.
They could easily save the money up and get the jobs done gradually. Without getting in debt.
I would never encourage debt been there and done that twice.
I was only asking because there are disabled facilities grants for kitchens and bathrooms and double glazing grants.
I could have had a wet room for free but didn't want one.

bloolagoon

OP said they worked all their life, it's highly possible that working and work related expenditure didn't give them income to save or borrow, which now they can as they are on benefits.

custardy

fed_up_and_stressed wrote: »

I don't see them as living comfortably - their home needs substantial repair and they have zero savings.

Well they have over £300 a month to spend. They say paying £300 isnt a problem,so I assume they have over £300 a month.

fed_up_and_stressed

custardy wrote: »

Well they have over £300 a month to spend. They say paying £300 isnt a problem,so I assume they have over £300 a month.

If they have no savings then they are spending every penny they get - therefore they don't have £300 a month spare with their lifestyle (whether that be frugal or not) to put towards the repayments.

custardy

fed_up_and_stressed wrote: »

I don't see them as living comfortably - their home needs substantial repair and they have zero savings.

fed_up_and_stressed wrote: »

If they have no savings then they are spending every penny they get - therefore they don't have £300 a month spare with their lifestyle (whether that be frugal or not) to put towards the repayments.

So which is it?

cloudydays

custardy wrote: »

So which is it?

Only the OP knows what they spend their money on and how they will be able to afford repayments of £300 a month for the next five years.

Podge52

Here's a radical thought, maybe the op is prepared to cut back on non essential spending to be able to afford this loan.