Crisis Loans in UK
There is a possibility for you to get an interest-free Crisis Loan to help with essential cost after a disaster or an emergency, for example, fires, floods, etc. The amount is not specified so it depends on the circumstances that you have. You do not need to be on benefits in order to apply and you will only repay what you borrow, and if you are on benefits, the loan can be repaid from the benefits payments.
Usually, there is no set amount for a Crisis Loan and they are mostly interest-free. How much you can borrow depends on many different factors, such as: 1) your personal circumstances; 2) any savings you have; 3) if you already owe any money to bank or the Social Fund.
Afterwards, depending on the type and the urgency of your borrowing, the Jobcentre will either transfer money to your existing account, bank account, for example, or you can collect your money by a cheque payment from the Jobcentre.
Basically, there is a list of certain requirements and rules which you have to meet in order to apply for a Crisis Loan. Most important statements from the list are: 1) you have to be at 16 years of age or older; 2) you don’t have enough money to meet your or your family’s immediate need after emergency or any kind of disaster; 3) you think that there can be a serious risk involving the your health or health and safety of your family.
Using of the loan:
After you have borrowed the money, they can be used to pay for: 1) daily living expenses; 2) rent in advance; 3) board charges; 4) residential charging for a hostel or hotel; 5) pre-paid meter fuel debt; 6) any kinds of travel expenses if you are far away from your home.
To apply for living expenses or urgent rent in advance, you have to contact Jobcentre Plus. They are usually making decisions on the same day when you apply. Payment is made within of few hours or sometimes even quicker, depending whether you collect money from the Jobcentre or it is being transferred into your current bank account.
For any contacts, you can call Jobcentre Plus:
Telephone: 0800 032 7952
Textphone: 0800 032 7958
Monday to Friday, 8am to 6pm.
Or you can visit your local Jobcentre Plus.