Borrowing while on benefits. Is this allowed?

fed_up_and_stressed

custardy wrote: »

So which is it?

They claimed in one of their earlier posts that they don't drink smoke etc (so seem to suggest they believe they are living frugally) yet have no savings yet seem to say they can afford 300 a month. Or they are wasting their income so would be better served by budgetting advice rather than loan advice . Hence why people were trying to explore why the loan was required - before they were being pounced on by self appointed forum police on this thread. Something doesn't add up.

pmlindyloo

For goodness sake...

Let's end this now.

The OP has received their answer to their question and it is entirely up to them whether they wish to go ahead with this or not.

None of our business.

custardy

fed_up_and_stressed wrote: »

They claimed in one of their earlier posts that they don't drink smoke etc (so seem to suggest they believe they are living frugally) yet have no savings yet seem to say they can afford 300 a month. Or they are wasting their income so would be better served by budgetting advice rather than loan advice . Hence why people were trying to explore why the loan was required - before they were being pounced on by self appointed forum police on this thread. Something doesn't add up.

Right,so you quote my post.
Which branch are you putting me in?

Mojisola

Podge52 wrote: »

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

If that is possible, why haven't they been doing so already and paying for repairs out of income?

I also think it's worth checking whether any of the work could be done through grants before taking out a large loan.

Podge52

Mojisola wrote: »

If that is possible, why haven't they been doing so already and paying for repairs out of income?

I also think it's worth checking whether any of the work could be done through grants before taking out a large loan.

Assuming the OP is telling the truth, and I have no reason to doubt her, then it certainly is possible because the bank wouldn't offer it if it wasn't.

As to why she has not already been doing repairs, there could be a number of reasons.

It could be that the OP has only recently been in receipt of benefits or has had a recent change in the amount of benefits they are entitled to.

It could be that the OP has difficulty saving but no problem paying a debt.

It could be that the OP has just finished paying off a previous debt.

I couldn't agree more with your last sentence.

cattermole

FBaby wrote: »

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?

I don't think it is me that is singling out disabled people you do that every time you say stuff about disability benefits.

Single mothers are not in a protected group neither are higher tax payers. They can work, their choice to be a single mother and if a higher rate tax payer then why should it be an issue to repair their house if they chose?

Your objection was that someone living on disability benefits might be able to afford a loan or did I read your posts on that wrong?

You seem to have little or no grasp of Equality and direct or indirect discrimination. Although you are certainly not in the minority on this.

FBaby

Single mothers are not in a protected group neither are higher tax payers. They can work, their choice to be a single mother and if a higher rate tax payer then why should it be an issue?

Their choice? And are you saying that it is never the choice of a partner of a disabled person to not work even though they could be they chose to claim ESA as a partner instead.

Your attitude is exactly what makes people lose empathy. Personally, I don't feel sorry for any particular group, I make my mind up based on individual circumstances. Not all disabled people have it hard done by, not like not all high tax payers have it easy. Many of them will have less disposable income than disabled people, but you don't hear them going on about how hard done by they are....even though of course, many are not single by choice.

cattermole

FBaby wrote: »

Their choice? And are you saying that it is never the choice of a partner of a disabled person to not work even though they could be they chose to claim ESA as a partner instead.

Your attitude is exactly what makes people lose empathy. Personally, I don't feel sorry for any particular group, I make my mind up based on individual circumstances. Not all disabled people have it hard done by, not like not all high tax payers have it easy. Many of them will have less disposable income than disabled people, but you don't hear them going on about how hard done by they are....even though of course, many are not single by choice.

Your attitude is what leads to disability hatred sadly.

You are moving the goalposts again now bringing partners into it.

A single mother has every choice she can meet a new partner for starters and decide not to be single. She can chose the right partner in the first place!

Can you honestly compare that to someone who has no choice but to spend the rest of their life in a wheelchair being cared for by others?

I am fully aware before you trot it out many people who claim disability benefits are not necessarily that disabled (a totally different discussion) but a great number are.

People who have no empathy or sympathy for others is sad but IMO their loss.

Disabled people are not asking for more they are just very fed up with being targetted by cuts that is the crux of it. Why should they accept a lower standard of living when they cannot change their circumstances? Would you? If you had the misfortune to be unable to work through disability?

cattermole

I have a friend FBaby that goes sking in a specially adapted sledge thing for disabled skiers (she was born a !!!!!!! quadraplegic) is this a luxury in your eyes I'm curious?

She has worked in the past but needs one to one care at work and very few employers will do it. Anyway then her health deteriorated and she was travelling 150 miles to work and back everyday.

Why should she not have a right to enjoy her life and take part in leisure activities of her choice and her disability benefits fund this?

Or be able to save up and go on a cruise and take her state funded carer with her?

Incidentally she does not claim any housing costs because at 42 she still lives with her now eldetly parents.

northerntwo1

blondebubbles wrote: »

Every single mother has chosen to be? Are you kidding?

It is rather a disgusting thing to say. My friend widowed when her husband died doing his job certainly didn't ask to be single nor virtually any one I know.