Help with bad credit loan

MallyGirl

daytona0 wrote: »

Seems really harsh if they have reduced the walking distance from 50 meters to 20 meters, but there must surely be some method to their madness? Maybe they feel that 20 meters is the distance required for someone to walk in order to work?

Surely, though, your medical condition would render you disabled and unable to work irrespective of what distance you could walk? That's what I'm not understanding... That should have been the case prior to the reduction as well!

the rules for benefits are crazy. I wouldn't expect to see any logic to them. My SIL lost hers because she could stand long enough to chop a carrot! She probably couldn't have done 2, nor could she have gripped said carrot so would probably have done herself damage in the process, but that meant she was fit for work. Go figure

Brock_and_Roll

JanNB wrote: »

I just can't see any way out of this ever.

There are actually a few ways out:


1) Sell up, pay off debts and rent nearer hospital
2) Sell up and buy house near a hospital in a cheaper area
3) Buy a cheap car - can get a perfectly reasonable one for £500 - £1k
4) Get a taxi to and from appointment (if you do the maths, this will almost certainly work out much cheaper than the cost of a car including tax, insurance, fuel, depreciation etc) never mind the extra punitive interest expense from a loan.


What is definitely not a way out is getting a loan:


a) because you wont get one at sub-crazy rates
b) because its a terrible idea

Here_Comes_The_Judge

MallyGirl wrote: »

the rules for benefits are crazy. I wouldn't expect to see any logic to them. My SIL lost hers because she could stand long enough to chop a carrot! She probably couldn't have done 2, nor could she have gripped said carrot so would probably have done herself damage in the process, but that meant she was fit for work. Go figure

No problems driving a car though eh me hearty?

MargaretBrazear

I just sold a nice little S reg Honda Civic, automatic which I bought a year ago for £280. It was a nice little car for the price, all the magic of a top of the range in its day. That's your first stop. You won't be able to sell your house if the adaptations were paid for by the council in the last 3 years - I think it's three years, could be wrong.

A £2,500 broker fee is a con. Most brokers don't charge a fee at all but even so, it doesn't sound as though you would be able to pay back a loan of that amount. I think your best bet is to get an IVA and buy a cheap car.

MargaretBrazear

Here_Comes_The_Judge wrote: »

No problems driving a car though eh me hearty?

There is not many disabilities that preclude you from driving a car. They can adapt a car for almost anything.

MallyGirl

Here_Comes_The_Judge wrote: »

No problems driving a car though eh me hearty?

Thanks for that unnecessary snipe - she lost her benefits not a car. She didn't qualify for a car. She can drive as it is sitting down, but only for limited periods and certainly couldn't do it for a job.

sourcrates

As other posters have pointed out, you can get a 10 year old car these days, which is built to modern standards, may have a bit of mileage on it, but will still be good for a few more years.

Your situation is such that it would be madness for you to even think about getting more debt, especially securing more debt on your mortgage.