Loan for jobseekers

[Deleted User]

I can't believe the judgemental rubbish I have just had to read through, the question was simple can the OP get a loan even on JSA and DLA the answer is probably. The first place to start would be their own bank, I have been disabled and unable to work for 20 years now through no fault of my own, the last loan I took out was for £10,000 with no problems.
People saying it makes them sick to think of the benefits they pay for might be used to repay debt, well so what? Just think it could be you next year or next week, we never know.
<rant over>

Craig1981

OP - you really need to look into the costs which you say are £2500 - are you using a third party of some sort?

application and ceremony would only cost directly around £1400...

if you receiving benefits, then you should have at least ILR, i highly doubt you would be kicked out/deported on that basis, especially if you have been here as long as you have

thriftylass

Agree, I thought the citizenship application and ceremony are only about £1200 last time I checked. I lived here for 15 years (all of those working and married with kids) and all I have to apply for to keep living and working here is residency (right to remain, settlement scheme or whatever other name it runs under) and that only costs £65. Only requirement is that you have lived here for 5 or more years and have no criminal record.

Unless it is because the OP needs to keep claiming benefits and you can only do that as a citizen if you've not paid much in?

System

Not sure how my questions would make you feel bad? I would answer the same way if someone was going to take out a loan for a wedding.... if you don't have a job and the purchase isn't urgent then maybe its worth waiting until you can save for it and not put yourself in debt

boo_star

AlexandLauren wrote: »

Not sure how my questions would make you feel bad? I would answer the same way if someone was going to take out a loan for a wedding.... if you don't have a job and the purchase isn't urgent then maybe its worth waiting until you can save for it and not put yourself in debt

Not really a valid comparison.

If there's a "No Deal" Brexit the OP will be out on their !!!!.

That's probably why they're scrabbling for money for citizenship.

Lostone1987

boo_star wrote: »

Not really a valid comparison.

If there's a "No Deal" Brexit the OP will be out on their !!!!.

That's probably why they're scrabbling for money for citizenship.

Yes neither is comparable.

How so if you dont mind me asking? I am not of eu national as I have south African nationalty. Which may or may not be a difference. Its a complex case as my parents are Belgium but worked most of there life in the UK.

Kind regards.

thriftylass

If your parents are Belgian then so are you by birth like my kids are British by birth location and German because of me. So you should be able to get a EU passport at least and/ or EU rules should apply to you.

FreeBear

fwor wrote: »

For smaller amounts there could be options (e.g. some credit unions will consider small loans without seeing a history of savings with them) but I doubt that you would find any conventional lender at all that would consider lending £3000 in the circumstances you describe.

https://www.findyourcreditunion.co.uk/ - Join your local CU and start saving. Once a history of credit has built up, the can offer relatively low cost loans even to the unemployed. Not a quick fix, but will certainly be cheaper than a payday loan or one from a bank.

Ian_875

McKneff wrote: »

If you are on jsa then you must be job seeking.

I cant get my head round the fact that you are actually claiming benefits after not putting a penny in to the economy as you have never worked ?

You're aware that the benefits system is setup to be a fair share, aren't you? Therefore it stands to reason that some people will claim having never paid into it, and some people will pay into it and never need to claim. That's the whole point.

Herzlos

Ian_875 wrote: »

You're aware that the benefits system is setup to be a fair share, aren't you? Therefore it stands to reason that some people will claim having never paid into it, and some people will pay into it and never need to claim. That's the whole point.

Exactly. I'd rather the benefits system was based on need and not on how much you've contributed already.

AlexandLauren wrote: »

Surely after 30 years here it means you probably have a right to stay already?

You'd think that, but the Windrush stuff would be enough to leave a doubt in anyones mind that they'd be entirely safe.