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Crisis Loan - self employed


misscher34
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hello, My partner and I are self employed and I suffer from Raynaud's disease and kidney infections I need heat for this, oil heating as we have no open fire. My partner and I have next to zero money coming in at present through the business and even though we get £120 per week in tax credits it is really hard to obtain oil with bills etc. I have heard that the DHSS provide Crisis Loans to people on benefits, do you think we would be eligible? We also need a bed and there is no way that we can get credit. We have no kids and the business has made no profit from the last year, I know going on benefits would seem the better option as you can obtain budgeting loans etc but we want to make a success of our business and it is a struggle. I have been turned down for DLA, can anyone advise, we cant even afford to put an electric shower into the house as I am not on ESA/DLA.

 

 

Please help.

 

 

I am in Northern Ireland, it may be different here! thanks

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The new rules regarding Social Fund loans have not yet affected Northern Ireland. So, if you need a bed, you could ask for a Budgeting Loan, see here.

 

If you need help for your bills, you would look here.

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Have you tried your local Freecycle, plenty of people on our one (it is done by borough in London) getting rid of beds, sofas etc - pot luck whether you get anything but it is worth asking.

 

I got a lovely G Plan wall unit and matching sofa and reclining chair from ours, along with various other bits and pieces, including a nice fish tank (and fish!).

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The new rules regarding Social Fund loans have not yet affected Northern Ireland. So, if you need a bed, you could ask for a Budgeting Loan, see here.

 

If you need help for your bills, you would look here.

 

 

Without a qualifying benefit, a budgeting loan is not an option.

 

 

Claiming JSA/ESA would only initially give a similar amount to the tax credits already being received, and a budgeting loan wouldn't be an option for 6 months. Not sure if a crisis loan would pay for heating oil - they would probably suggest electric heaters in the main living area, and would also say heating oil should be budgeted for.

 

 

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