help - need an unconventional loan

[needadviceplease]

I am looking for a way to get a loan of £350 urgently. Myself and dp have bad credit, and I have no income at the moment as I am on unpaid maternity leave.
we live in a house owned by dh's dad and pay him rent which amounts to the mortgage repayments, but as dh works through agencies and was out of work for three weeks last month we cannot afford to pay him. he has said if we cannot pay by tomorrow evening we will have to leave, even though I am 36 weeks pregnant - they never had a great relationaship and his dad is refusing to help at all. None of our family and friends are in a position to help either.
i am worried sick, we cannot get an overdraft or loan from anywhere,
Does anyone know of any private lenders in the london area, I am willing to pay up to 50% interest just to save being evicted at such a difficult time.

I agree and know that if you go to the council offices and say your being evicted from your FIL's house they will have to home you, it does not matter if your dh earns £100 to £1000 a week you are homeless and they HAVE to house you, the priority goes by who has somewhere to live and who does not (in this case you don't) I know this because i have just been through exactly the same situation with my friend and she has been housed!

probably shouldn't have started two thread on this..but I hoped the other subjects board would throw up some other solutions or advice..
i know i am fooling myself really, therwe is no safe or legal way to raise this cash in such a short space of time..i am just desperate and worried..
i keep thinking about the nursery we have lovingly decorated and how we could just end up in a room at my mums.

vicimely..no you have to have had benefits for 26 weeks to get a budgeting loan and as dh was working, and i was a student i am not entitled. - shame!

Hang NAP, are you saying that you could go live at your Mums temporarily?????

Then why are you thinking of going to a loan shark??? That doesn't make sense! Why go out of your way to make your situation worse? Far better to move to your Mums (if you get along) for a weeks whilst you have the baby. In the meantime you get on the homeless list and wait for a house! Or look for someplace else to rent.

nap - no constructive advice but please do not get a loan shark - trust me do not get one - not that I have but intrest is extortion they'll demand what they want and knock on if u cna't pay they'll add stuff on etc.. find another way - pee ur FIL off tell him to shove it - I would. can't the social get in contact with him/housing? - I don't see why they won't rehome u u're about to have a baby ffs.

becuase my mum is in glasgwow and we are in london . and we are in london. we have discussed this as an option.
ie.i go there and dp crashes on friends floors etc.so we really won't ever end up homeless.
Just ideally he would want to be there at the birth and for the firat few weeks with our child.
this is another reaon why we wouldnt get housing. i wouldn't want to take it from someone who genuinely has nowhere to go.

NAP - Now is not the time to be humble. You need help!

Again.... just get your DH to tell his Dad you can't pay him until the end of the month.

how about offering a repayment type thing - ie he adds £50 p/m onto the rent until it's cleared.

dh's dad knows we cannot pay but will not be lenient.
if i move to my mums i will be a 10 hour coach ride away from dp which would be awful.
he cannot move as quitting his job (even though it's just agency work) would put us in an even worse situation.
i know none of you can help except offering comfort and the advice re. social security , but I am still hoping there is some way we can raise this cash.

No, don't take out a mad loan. Your dh's dad simply cannot throw you out onto the street -well, he can tell you to go, but without a court order which will take weeks or months, (certainly not until after you have your baby) he can't actually make you leave. Go to the Citizen's Advice Bureau and get some advice. If he's threatening to throw you out you may be eligible to be housed by the council. Don't take out another loan whatever you do. That's financial suicide.

And you DO need a home! Don't be too proud to contact the council, you are exactly the kind of people that social housing is for. If in the future you want to move into the private sector then do so, but right now you and your family need a home.
Remember, he cannot literally throw you out atm, so stop panicking. Of course he will be angry if he can't pay the mortgage on the house, understandably so, but you are in a desperate position I think. I also think you need to get a benefits check - the Citizen's Advice Bureau can help you with that too.

Ah, now I see why you want to find a loan shark. Yes, ring the council and tell them you are pregnant in danger of being evicted. Don't approach a loan company. They'll charge you high interest and hound you if you can't pay, which will be worse than the situation you are in now.

Well..after I read about women with children and babies who are suck in nasty social funded b&b's for months on end in london , and others who cannot even affpord council rent i would feel terrible if we were offered any kind of funded accomodation. we can afford to live. we just had a difficult month and are feeling the repercusiions.
you are all right though, and if at the end of the month we give dh's dad £900 he cannot argue, not have a case to evict us and we can start looking for a new home.

we wre worried about what dh's family might think, but now i look at it it will be his dad who would be in the shit with them after this..maybe we are a little proud. i just wanted to prove we could pay and maintain ourselves.

but if u did htta how would u manage next month's food etc.

it would leave us with almost nothing,thats true!
but I will get a maternity grant and other benefits once the baby is born, which we are very much prospectively relying on.
the worst thing in all of this is that dh's dad could screw us so badly.
so much so that dh doesnt want him to see the baby at all (but with how he is acting maybe he isn't bothered anyway?)
i hope in the future he will realise how much he has lost for the sake of a few hundred pounds he can easily afford to lose for a month or so.
this is why i was so desperate to find a way to pay him today. no doubt tonight he will call dh and rant, and dh will spend the rest of the evening in tears. this has happened every night for the last week and i cannot stand it for me or him anymore. I was hoping there would some way out of it.but you can't make money come from nowhere of course. we just have to figure out how to deal wit hthis best.

Your dh's father sounds like a bully, and a thoroughly unlikeable and unsympathetic character. If you can't afford to pay him, you can't. It's as simple as that. What is he going to do? He'll have to wait.

In the meantime, I would suggest that your husband look into how to find some temp work, or some other source of income the next time work is slow to materialise. Should he even look into a second job that can be done nights or weekends?

I'd also look into finding somewhere else to live as soon as you can. Good luck.

dh is doing temp work now, that is not our problem. it is very unstable which is not ideal.i cannot woork right now obviously whic his what has gotten us into difficulties.
as for f.i.l.
yes..he is awful.
he has never been a great father, he was absent working away for much of dh's childhood and teens.
when we announced the pregnancy he reacted with utter disgust and said we had made a mistake. and since has been very unsupportive as you can see.
he is amicable so long as he can profit from us (for example when we were better off we got new kitchen and bathroom and lovingly renovated the place, sanded and varnished all the floorboards etc, which will only add to the value of the place for him if he sells it on)
we will probably just sit tight, tell him we will pay end of the month and as soon as the baby is here start looking elsewhere

I just read this and can sympathise..me and dp are having money struggles with the in laws, nothing so dramatic, but it is difficult.
the worst thing is that it is family...and you wouldn't imagine you could come to such a situation!
can your mil (assuming she is around) maybe help in the short term? or is it both of them that are expecting the money?

Where is DH's Mother in all of this ??

Apologies if it is further down, but I cannot see it.

yes..i thought the same..is she with the f.i.l on this..and if not surely she would want to help out?
apologies if this is insenstitive because she is not around for whatever reason...

Glad you sound calmer. Really, he can do nothing. In fact you could claim an interest in the property because of all the work you have done - tell him that and scare the s**t out of him, if you like! If the phone calls upset you or your dh just take the phone off the hook or don't answer. There's no law says you have to answer a ringing phone.
If you want, write to him, tell him you have financial difficulties, you intend to pay the full rent when you can, and you would appreciate his patience in this difficult time just before the birth of his grandchild. Lay it on thick.

One other thought, how many bedrooms does this house have? Could you get a lodger temporarily? Their rent alone would pay what your FIL wants as rent.

well I swallowed my pride and asked my parents to help - they have arranged a temporary overdraft and insist we can pay them back whenever.
they were shocked at the alternatives I was considering and that I wouldn't ask them first, but I wanted to avoid it as I know they can't really afford to.
but not as shocked as they were at dh's dad's behaviour. They have also offered to loan us deposit on a new place if we need it.
thank god for great families - what stars!
this is an enormous weight of my mind and I can get back to being excited and preparing for the baby.
thanks for all your advice.

Hi,
sorry,this is so long and haven't had time to read it all,but feel really sorry for you.Basically,my boyfriend is a landlord.He bought a flat last summer,so more than a year ago now,to let out.He poured all his money into buying that place,he never believed into pension plans so decided to put his savings into that.He got a tenant straight away,single mum of two kids.Now,all his friends advised him not to take her on,because if a woman with kids stops paying rent it's impossible to evict.(horrible,i know,but true)My bf didn't listen,he checked her references,confirmed she was working and he was more than happy with it,all was in order.He just needed someone to pay rent,because he couldn't afford mortgage repayments on the flat without it being occupied.
Now that was 15 months ago,since then,she payed him some £500 altogether.That's all.Evicting her has proved impossible.He's had to remortgage his own house because of that,is in an impossible amount of debt,tried solicitors,but that didn't last long cos he just couldn't afford fees,one phonecall with them costs more than a £100!Then there are all the court costs,court forms,eviction forms...all costing between £60 and £80 each...think he paid over £400 just for all the different forms he needed,and still needs.The woman is on DSS,which she said she wasn't before she moved in,and on the contract she signed.Because of that she gets legal help for free,the local council is acting on her behalf,and it's proved imposible to fight them.Every time he asks them a question,like,"Right,so what do i do next" or "did the xxxx(tenant) say she is going to pay for any of the costs" the coucil answers with "we don't know,we advise you to seek a legal help" !!!!!!Like he wouldn't,it's just that it costs thousands.And after all the money he's already paid,and gotten nowhere,it's impossible.
So the whole system is a joke really.
He used to believe in it,but not any more,it's left him completely crippled,he's got a bad credit rating,gets red letters every day and it's affected his health.His pension's gone down the drain,and now he must sell the place,but can't cos the bloody woman's refusing to shift,only because the legal system lets her.
So really....i wouldn't wish this on my worst enemy,but i think your father in law deserves it,for being such a prick.If he gets nasty,just show him this.And the every single thing here is true,it's just so much more painfull in real life,watching someone suffer like that.It's been really hard.And it's still going on.
But anyway,what i just wanted to say,is he can't make you leave.If he threatens to throw you or your stuff out he'll be acting illegally and will be sued.
Oh,and another thing...The tenant owes my bf over £7000 now,and that's without the cost for all the damage she's done to the place,but he will most definitely never get it back because she's on DSS.She does't have to pay it back,if the court rules out she's got no means to do so.Even solicitors told him that.
God,sorry,this is so long,but just a thought,for both you and your FIL