Completely desperate - payday loan time?

John_

HettieJ said:

I have already applied to Tesco, Morrisons and Aldis by going in. They did advise me they have hundreds of names already - Aldis said they may give me a call back but it did not seem very positive. I will get ready now and try my nearest Asda. I don't want to seem as though I am not trying as I am - desperately - but of course there are countless numbers of people in the same position.

I’m really sorry that you find yourself in the state that you do, but a high-interest loan is going to make things worse. Please, keep trying.

JayRitchie

Please let us know what part of the country you are in. Try nextdoor.co.uk - lots of people are offering help.

DCFC79

HettieJ said:

I have already applied to Tesco, Morrisons and Aldis by going in. They did advise me they have hundreds of names already - Aldis said they may give me a call back but it did not seem very positive. I will get ready now and try my nearest Asda. I don't want to seem as though I am not trying as I am - desperately - but of course there are countless numbers of people in the same position.

You tried your nearest Sainsburys, you tried Lidl ?
Theres some links in here for the various retailers

https://metro.co.uk/2020/03/20/find-jobs-coronavirus-crisis-12430403/

A payday loan isn't what you need, it will make things worse. It would help if you could reduce your spending now.

diggingdude

Iceland looking also. Good luck, fingers crossed for you

p00hsticks

HettieJ, please don't be too proud to ask for help.

Are you on Facebook ? There are loads of local support groups being set up there to help those like yourself who are struggling through this. You can use this website to find one local to you https://covidmutualaid.org/ 

They may not be able to help you find a job (it sounds like you're already doing all you can there) but they would hopefully be able to ensure that you don't go hungry or without other essentials.

newbridge

some very good replies by other users. whatever you do, DONT go for payday loans even if they offer you.

[Deleted User]

I have no idea why people think it is easy to get a short term/payday loan out as the process is now far stricter after compo had to be paid out.
From real experience and even with a proven past of repaying these loans - now on application you either have to supply bank statements or agree to open banking during which details will be scrutinised to see an 'active employer and income proven' don't even think about the potential for fraud coz you'll only hurt yourself - you need to go towards the government without an employer not a pdl.

HettieJ

Thank you all for your replies, I really appreciate it! I am in Scotland, not too far from Glasgow, I will try to find a support group on Facebook. 

I already got approved for a loan, however the interest rates are even higher as they don't ask for a guarantor 😣

Iceland have told me to apply online as usual, I did call Sainsburys but they said they are not currently looking. I am keeping an eye out online and applying for any jobs that are posted as normal there.

Willing2Learn

Don't forget to make an online application for Universal Credit.  You can ask for an advance on your first payment....

DCFC79

HettieJ said:

Thank you all for your replies, I really appreciate it! I am in Scotland, not too far from Glasgow, I will try to find a support group on Facebook. 

I already got approved for a loan, however the interest rates are even higher as they don't ask for a guarantor 😣

Iceland have told me to apply online as usual, I did call Sainsburys but they said they are not currently looking. I am keeping an eye out online and applying for any jobs that are posted as normal there.

Did you look at the link I posted ?

Sainsbury's are recruiting for roles so not sure who you spoke too.