Need a loan of 50k to save my life

LaHostessAvecLaMostess

Voyager2002 said:

Do you hold any credit cards?

If you are an established customer with a good track record they are often willing to increase your credit limit if you say you want to redecorate, do a loft conversion, or whatever. Three or four cards might well give you what is needed.

Has a doctor in the UK told you that you need this treatment? Sadly, there are many unscrupulous doctors around the world who get rich quickly from people in your situation.

Is that really good advice?

The condition is not life threatening and 50k on credit cards at probably 20%+ interest will probably be far worse for the OP's heath than the condition they're trying to treat.

The fact their house was bought for £160k would indicate a fairly limited income, there is no way they could afford to service 50 grand of credit card debt.

Ibrahim5

"I am the only surgeon in the world doing this procedure". You really have to ask why.

Voyager2002

LaHostessAvecLaMostess said:

Voyager2002 said:

Do you hold any credit cards?

If you are an established customer with a good track record they are often willing to increase your credit limit if you say you want to redecorate, do a loft conversion, or whatever. Three or four cards might well give you what is needed.

Has a doctor in the UK told you that you need this treatment? Sadly, there are many unscrupulous doctors around the world who get rich quickly from people in your situation.

Is that really good advice?

The condition is not life threatening and 50k on credit cards at probably 20%+ interest will probably be far worse for the OP's heath than the condition they're trying to treat.

The fact their house was bought for £160k would indicate a fairly limited income, there is no way they could afford to service 50 grand of credit card debt.

The OP believes that her life depends on this treatment, in which case crippling debt (probably leading to the loss of her house) would be her prefered option.

We are not allowed to give medical advice on this forum so cannot discuss whether or not the condition is life threatening. We can and should urge her to get a second opinion and suggest ways to check the medical advice that she has received.

redpete

Voyager2002 said:

LaHostessAvecLaMostess said:

Voyager2002 said:

Do you hold any credit cards?

If you are an established customer with a good track record they are often willing to increase your credit limit if you say you want to redecorate, do a loft conversion, or whatever. Three or four cards might well give you what is needed.

Has a doctor in the UK told you that you need this treatment? Sadly, there are many unscrupulous doctors around the world who get rich quickly from people in your situation.

Is that really good advice?

The condition is not life threatening and 50k on credit cards at probably 20%+ interest will probably be far worse for the OP's heath than the condition they're trying to treat.

The fact their house was bought for £160k would indicate a fairly limited income, there is no way they could afford to service 50 grand of credit card debt.

The OP believes that her life depends on this treatment, in which case crippling debt (probably leading to the loss of her house) would be her prefered option.

We are not allowed to give medical advice on this forum so cannot discuss whether or not the condition is life threatening. We can and should urge her to get a second opinion and suggest ways to check the medical advice that she has received.

But we are allowed to point out the potential consequences of taking advice such as "put it all on a couple of credit cards".

Ergates

beckyben89 said:

No one will treat in uk. It is cranio cervical instability. The longer it goes on the more likely to have permanent neuro damage. My husband won't  open his eyes to it. Talking to an expert Spanish neurosurgeon next week, one or the only ones who can operate on it in the world. My husband happy to leave me to rot and every second is torture. Everyone else has to fundraise too. Was just hoping somehow I could get a loan. 

Your injury and illness has put you in an extremely vulnerable situation and there is a very high chance you are being scammed here.  You're in pain and you're scared - this makes you a perfect target for a scammer.

If this is a legitimate medical procedure with a good chance of a positive outcome, then the chances that nobody in UK can or will perform it, (and there being only a couple of people on earth who can) is very low.  This raises a *lot* of a red flags.  You have to ask *why* it's not available in the UK.   If you can get the treatment done privately for £40k in Spain, then the cost to the NHS would likely be lower than that, and less than £40k for a life saving procedure is *way* lower than any cost threshold (there are drugs out there that cost more than that *per dose*).  This means that the NHS either don't believe the procedure will work, or they believe the risk to the patient is too high, or they believe that the procedure is unnecessary.   None of us here are qualified to comment on your case (and even if we were, we're not allowed to give medical advice on this forum).  However we can say that despite it's flaws, the NHS doesn't just arbitrarily refuse to treat people - there *must* be a reason for their decision.

Also, consider who put you in touch with this surgeon?  Where do they work?  Is it a legitimate institution?  Can you confirm they actually work here?  If this is a new/experimental treatment, have they published any papers in a reputable peer reviewed medical journal on it?

On the finances side:
From your brief description of your finances, it sounds like £40k would be a crippling amount of debt for you to hold - to spend this money and not resolve  you health issues would be an appalling outcome.  

In terms of getting the money - even if you divorce your husband and sell the house, you'd only get (presumably) half the equity in the house, and you'd still need somewhere to live, so unless you have a massive amount of equity in your house, it probably wouldn't free up that much cash.  You may be able to get a personal loan - depending on your exact financial circumstances, which we don't know - but it's extremely unlikely you'd be able to cover the whole amount that way.   In short it's unlikely you'll be able to borrow a significant proportion of the money - which leaves help from family and friends, and fund raising.