To ask if anyone knows an payday lenders?

[TheQueenOfDiamonds]

That will accept bad credit?

I've had to apply for income support since ex left me and my claim hasn't gone through yet, so i've been using my child tax credits to buy food and just leaving everything else for now - It will get paid, its just that food is more important right now - My stupid effing bank have taken 70 quid in charges. So i have zero money until next saturday.

They wont give me a crisis loan because exOH had 3 on a joint claim when he was unemployed and we were waiting for a joint claim to go through.

I wouldn't even consider a pay day loan if i weren't desperate, but i am and i was wondering if any one knew any that will accept basically anybody, I don't even care if theyre dodgy or charge shit loads, i just need to buy food for my child and i'm getting angry with my bank and these shit charges and everything just seems so unfair right now. Please dont lecture me on how shit payday loans are, i know they are, but atm needs must.

Natwest are famous for extortionate charges, that they find difficult to explain at times... If you go on Moneysavingexpert website you will find a lot of advice regarding getting all your charges back, I am sure I have read that it is illegal to take charges out of peoples benefits, but banks manage to do it because benefits are paid in there. Phone them and be firm, explain the situation, ask exactly what the charges are for and if they are for an unauthorised overdraft caused by them taking charges out tell them that you request them back.

Ask for a complaints form and give them a time limit to get it to you, if you had not received it in that time limit tel them you will be approaching the FSA and the Finicial Ombudsman.

Please do everything you can to avoid taking out any loan. Hope everything turns out ok:)

Please do not get a payday loan. Unless you can be 100% certain that you have enough coming in to cover the repayments, it will catapult you so far into debt that it can take forever to climb out.

For food in the meantime: 1) try the priest of your local catholic church - they often have systems set up to give you a meal/ meal voucher. 2) contact CAB/your health visitor/gp and ask if there is a local food bank that they have vouchers for (you have to have a voucher). The food banks supply enough food for 3 days if you slavishly follow the recipe they include.

Food Banks

Sorry it's a NM link with foodbanks in your area. Please do contact NatWest as well, they shouldn't be taking your benefits for charges.

Natwest should not be charging you for a £2 overdraft. Please call them or go higher as per oraneimperials link above. It is worth a shot.

You could try posting on Moneysavingexperts. Lots of good suggestions here though.

I wouldn't use a payday loan. They are terrible. You should read some of the stories on MoneySavingExpert. I think they should be banned much more tightly controlled.

You need to go to the bank again and tell them that you will contact the ombudsman as they have left you without money for food. If they can't help go to CAB. You need to go to the JC and get your claim separated on the main system from your ex partners, then you can apply for a crisis loan.

If you get this sorted with the JC this morning you can apply for a crisis loan today but you must do it this morning.

Queen, I am so sorry you are in this very unfair situation.

I would strongly advise you to not only follow the avenues suggested with Natwest, but also write on their Facebook and Twitter pages of exactly what they have done to you, and the fact you are desperate and have no food. This will be very bad PR for them and they will hopefully be so mortified they will refund you the charges quickly.
www.facebook.com/NatWest
I have done this before with organisations and you should get a very quick reaction. If you do it and send the link through I will certainly comment for you on their FB page, the more people they think are seeing it the quicker they will respond. Good luck.xx

NatWest can and will offer you an emergency overdraft, which will cover the fees and allow you to withdraw money. It won't be much but it will help.

They've done it for me once when I was in your position, go to your local branch in person and ask to the see the manager. Crying helps but if you feel anything like I did you won't need any help with that

I'm sorry this happening OP.

Where in the northwest are you?

This is just shit what is happening to you please try and avoid payday loans if you can , go to Jobcentre plus and ask for a crisis loan until your income support comes through also somebody else said speak to yoru HV she may be able to help you with food , good luck

they will give you a crisis loan if you ask again I think they are obliged to because you have a child, speak to your HV phone her today

Queen. I don't live terribly far from you. I wouldn't (couldn't anyway) offer someone random of the internet money - but I'd be happy to drop off some food so you have time to sort it out without needing to go for a payday loan.

Message me if you want to.

What a lovely idea Anastaisia.

If the OP is too proud for that, she could go to Freecycle and put Food in the Wanted column with an explanation of why. Just bread, jam, porridge, milk etc.

Did this get sorted?

Thanks so much for the replies ladies, you lot are much better help that the bloody job centre!

Will check back just making a few calls x

Where in the Northwest?

Like Anastasia. I wouldn't just hand over money, but I can arrange an online shop to be delivered to you?

I've been where you are - with no money at all and days to go. It's shit. In my case it was self inflicted and I learned from it. In your case it's not. I'd be glad to help.

social services have some money fot this, you might get food vouchers but it means you would have food

Did you get any joy from the bank?

what happened OP?

I'm also in the north-west and I'd be happy to buy a few basic food items for you if you're near me. xXx

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