who do you turn to?

[fishfingerSarnies]

My little brother is 21 he works in a pub, but due to being messed around by a previous job he has ended up owing money to his landlord and to had no money for food etc. He wants me to be a guarantor on a loan he thinks he can get from some company, I don't feel comfortable doing it as I'm not well off my self I'm a sahm and my husband is self employed and we just scrape by each month in our own happy way with very little expense.
I don't know what to advise him, to be honest I don't get on that we'll with him.
Can anyone in the know give me any advise to pass on? Thank you

refer to CAB, MA or stepchange ?

If you're not comfortable then don't do it, has he spoken to his bank? They may be able to offer a temporary overdraft to see him through

no I wouldnt be a guarantor as if he defaults on the loan they will come to you to get the money

any loan requiring a guarantor will be very expensive - if you want to help, then borrow the money yourself at an interest rate you are comfortable with and lend to him

Your brother's problem is that he doesn't have enough money to meet his obligations and his circumstances are making him a bad risk. If a regular lender doesn't think he's a good risk, don't put you own family's finances on the line.

I would suggest that he should talk to one of the free debt advice charities and see what they recommend. Otherwise, you and other members of the family offer him practical support like a place to stay, meals, the odd tenner etc. Help him stretch his wages until he's back on his feet.