Disabled

custardy

Aldo68 wrote: »

Thanks everyone for your time or thoughts although I don't really think I need a dictionary definition. Unemployed & illness are not the same thing!!
Yes I told them the information, problem ia as said there is nowhere to say you are ill or disabled & I think this should be changed.
Cheers

Take the chip off your shoulder.
Do you have a job? No,then you are not employed.
If its better,Do as my mother in law does. Calls herself medically retired.

Ebe_Scrooge

Aldo68 wrote: »

It also has me as having little chance of credit because I'm ' unemployed '. I am not, I'm disabled due to damage caused by cancer.

Are you employed, yes or no ? Plenty of "disabled" people are in employment, and plenty of "able-bodied" people are unemployed.

Sorry, I'm not wishing to sound harsh. Look at it in cold blood from the lender's point of view. Do you have a regular income from stable employment ? Yes - let's talk, we'd be happy to give you credit. No - hang on, how are you going to repay whatever debts you run up ?

The "disability" ( in whatever form that may take ) is largely irrelevant ( and, I would suggest, open to many forms of interpretation ). Being "Employed" is a straightforward yes-or-no answer.

The bottom line is, any lender is looking to make sure they've got an odds-on chance of their borrowers repaying what they owe. Perhaps understandably, Employed=Good, Unemployed=Bad. When it comes down to hard cold facts, the reason why a person is unemployed is irrelevant.

Like I say, I'm not meaning to preach, or cast judgement - just explaining how it works.

sourcrates

Since when have lenders recorded a customers employment status ???

Never seen that box !!

Prudent

Aldo68 wrote: »

Thanks everyone for your time or thoughts although I don't really think I need a dictionary definition. Unemployed & illness are not the same thing!!
Yes I told them the information, problem ia as said there is nowhere to say you are ill or disabled & I think this should be changed.
Cheers

I think this is perhaps as much as about the stigma our society places on umemployment as anything. Disabled does not have the same connotations as unemployed (although the current government seems to want to portray both as workshy). I do not work due to long term ill health. If there is an option on a form I put myself down as retired as I receive a workplace ill health pension.

Ben8282

sourcrates wrote: »

Since when have lenders recorded a customers employment status ???

Never seen that box !!

Nor have I

Robisere

Do you have any form of Disability benefit? - DLA, PIP, for example? Have you applied for anything of that nature? The Problem being, that such Benefits cannot, by their nature, be counted as Income.

If not, I would ask your local Council, CAB, etc, for advice about possible Benefits. If you have a Social Housing landlord, they can also advise you.

DCFC79

Ben8282 wrote: »

Nor have I

Nor have I, never seen a question about employment status on the credit reference agencies.

iammumtoone

Prudent wrote: »

I think this is perhaps as much as about the stigma our society places on umemployment as anything. Disabled does not have the same connotations as unemployed (although the current government seems to want to portray both as workshy). I do not work due to long term ill health.

I didnt work for 6 years I wasn't disabled nor was I claiming any kind of benefits. It was my choice to be a stay at home mum my partner earned enough to support us, this was not a unique situation lots of people choose to so the same.

I was still unemployed.

[Deleted User]

I think the OP is getting confused between lenders asking for employment status (which is fine) and a CCA (which I have never seen on any of the 3 agency reports).

Ben8282

I would suggest that the OP ceases to respond 'unemployed' and perhaps should consider saying retired (if necessary clarified as 'medically retired').