Crisis Loan for Gas and Electricity

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Even though there are maximum crisis loan limits, you are still able to apply for specific things and increase this, the most common being emergency gas or electric.

Where an applicant has a prepaid metre for gas and/or electricity and they have already used their emergency credit they are able to apply for additional money from the social fund in the form or a crisis loan to cover clearing the emergency credit and giving them some usable credit

How can I get a crisis loan from gas and electricity?

For example,

If Mr X applied for 7 days money using the Maximum Crisis loan Rates he would get £49.08, but if he applied for emergency fuel in addition to this at £5 per meter then his maximum award would be £59.08.

What is the Maximum Daily Crisis Loan Limit?

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Even though the maximum total debt is £1500.00, this does not mean that you can apply for this in one go on a crisis loan application, this is because there is a DAILY LIMIT on the amount that can be awarded, this is a set amount that the government think that client groups will need to get them out of crisis.

In a nutshell, a single person can have £7.01 a day but can also apply for help with gas and electric on top of this (emergency credit crisis loan )

2010/11 Crisis Loan Rates

Days Customer/Partner Children
Single16-24/ LP under18 Single 25+ & LP 18+ Couple both over 18 Child under 18 Couple both under 18, higher rate 1 2 3 4 5 6 7 8
1 5.55 7.01 11.00 8.38 8.22 16.45 24.67 32.90 41.12 49.35 57.57 65.79
2 11.11 14.02 22.01 16.77 16.45 32.90 49.35 65.79 82.24 98.69 115.14 131.59
3 16.66 21.03 33.02 25.16 24.67 49.35 74.02 98.69 123.36 148.04 172.71 197.38
4 22.22 28.05 44.03 33.55 32.90 65.79 98.69 131.59 164.49 197.38 230.28 263.18
5 27.77 35.06 55.04 41.94 41.12 82.24 123.36 164.49 205.61 246.73 287.85 328.97
6 33.33 42.07 66.05 50.33 49.35 98.69 148.04 197.38 246.73 296.07 345.42 394.77
7 38.88 49.08 77.06 58.72 57.57 115.14 172.71 230.28 287.85 345.42 402.99 460.56

What is the most you can get from a Crisis Loan?

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The maximum that you can owe for a crisis loan is £1500.00 per person OR family unit, this is the bit that confuses most people that want to make an application to the Social Fund, as they use the logic that a family of 4 may need more in comparison to a single person as far as the maximum loan amounts go- this is not the case.

Crisis Loan limits – what you need to know

Even though it does not seem fair that a single person can be deemed to need the same level of financial help as a family, as far as the maximum debt is concerned, this is how it pans out. However, this does not affect the maximum daily crisis loan amounts directly

Example:

If Mr X calls and says that he is in crisis and he needs a crisis loan for food for 3 weeks he already owes £1450.00 he can only be awarded a maximum of £50

Mr and Mrs Y, and their 7 kids call and ask for a crisis loan for another 3 weeks, they already owe £1450.00 so they can only get a £50 crisis loan!

What is the most I can borrow from social fund?

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

The social fund is a discretionary payment from the department of work and pensions and is designed to help those on low incomes in times of hardship.

The maximum crisis loan that any one family unit can have at any one time is £1500.00 – this is the same if you are married with 4 children or are a singles person. If you make any further applications to the social fund when you are at you maximum limit, it is likely that your application for a crisis loan will be turned down on the basis that they can’t lend you any further funds.

Crisis Loan borrowing limits

However all is not lost, you can still be awarded some money from the social fund, if your case is deemed to be an emergency and that you have no other means of getting money and the person that decided on your crisis loan applications feels that they would have given you a crisis loan if you weren’t at your limit then they can refer your application for a community care grant . these are not limited by the £1500.00 maximum crisis loan debt rules and as they sound are given as non-repayable grants, this may be the solution if you are turned down for a crisis loan

Getting rent in advance loan

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The government has just started to help those on low income to be able to secure a new property, this is done by them allowing you to apply for help with rent in advance.

Rent in advance is what you have to pay to move into a property, and is distinct from a deposit. You can apply for help with rent in advance to cover your first 4 weeks rent at your new home and the payment will generally be made to you on the day of your application.

There are strict rules on what can and cant be considered as a crisis loan for rent in advance, and you will need to be aware of this before making your application. you cannot be awarded money for a deposit or any sort of administration fee charged by a letting agent, so you will need to be able to either pay this or have this deferred.

You may have to show a valid tenancy agreement from your new landlord, showing the date at which you propose to take up the property and the charges that may be involved. Bear in mind that the amount that you can apply for will be limited by the amount that you have left on your account.

Are you near the crisis loan limit?

For example, if you already owe £1200.00 to the social fund and you apply for £450 you are likely to be turned down as you cant be in debt of more than £1500.00 at any one time.

To make your application for rent in advance see the crisis loan page

Types of Social Fund Payment

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There are several types of Social Fund Payment, depending on your situation. The first is a crisis loan – an easy to get no interest loan that you can be paid on the same day you apply. The crisis loan limit is £1500.00 for any family unit go back to our social fund page for more information

How to get a crisis loan

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Many people find this site after typing how do I get a crisis loan. Well, the answer is simple.

There are two main types of crisis loan, one for living expenses i.e. food, gas, or electric and these applications are treated as urgent, can be done over the telephone and you will be given a decision within around 30 minutes and if successful you can go and collect the cash that the DWP award you from your local Jobcentre- or you can opt for it to be sent to your bank as a credit on the same day (usually done within 3 hours).

The other type of application is for ITEMS, these ( as they sound) are for large items that you cant afford to buy for example carpets or beds- these applications are usually made using a crisis loan paper application

Social Fund Crisis loan telephone number

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Finding the correct telephone number to call you local benefit delivery centre’s Social Fund Section so that you can apply for a Crisis Loan can be difficult. Recently the DWP have changed their website structure and it is almost impossible to find the correct 0845 number for your area.

Here’s more on the Social Fund from Wikipedia https://en.wikipedia.org/wiki/Social_Fund_(UK)

There were two categories of Social Fund:

a ‘discretionary’ social fund intended to respond flexibly to meet exceptional and intermittent needs; and
a ‘regulated’ fund intended to cover maternity, funeral, winter fuel and heating expenses.
The social fund schemes were implemented in 1987 to 1988, as part of an overall review of benefits (the Fowler reviews) initiated by Norman Fowler, the Secretary of State for Health and Social Security (1981–1987) replacing the former system of Single Payments of Supplementary Benefit.

There were three payments:

‘Budgeting Loans’ to meet intermittent needs (more automatic and less discretionary since 1998);
‘Crisis loans’ for emergency situations; and
‘Community care grants’ to help vulnerable people live independently rather than enter care institutions (part of a wider strategy to promote care in the community and link ‘cash’ and ‘care’ provision).
The merits of each application were considered taking into account: the nature of the need; the existence of available resources; the possibility there is a more suitable provider; and the budgetary allocation.

Crisis Loan Telephone numbers

 

An application will typically take around 30 minutes and at the end of the call the person that you have been speaking to ( The Decision Maker) will , as it sounds, be making the decision on paying you a crisis loan or not.

If it is decided that you are eligible for a crisis loan, in most cases you will be given a choice as to how you want to be paid. you can collect a GIRO or have a DIRECT PAYMENT into your bank account, either of these will be dealt with on the same day.

Need to speak to a member of the Depart for Work And Pensions about your issues? Our call connection phone numbers should be able to help – get in touch with the right department by dialling one of the contact numbers below.

Department - we are not affiliated with any organisation mentioned. Call Connection Phone Numbers - we are in no way affiliated with any organisation mentioned
Social Fund (Calls cost 7ppm + network charges)
0843 506 0283
Crisis Loan (Calls cost 7ppm + network charges)
0843 509 2336
Jobcentre Appointments (Calls cost 7ppm + network charges)
0843 509 2322
Job Seeker’s Allowance Claims (New Claims & Existing) (Calls cost 7ppm + network charges)
0843 509 2383
Employment & Support Allowance (Calls cost 7ppm + network charges)
0843 509 2374
Income Support (Calls cost 7ppm + network charges)
0843 509 2374
Incapacity Benefit (Calls cost 7ppm + network charges)
0843 504 0374
Universal Credit (Calls cost 7ppm + network charges)
0843 509 2382
Universal Credit (New Claims & Appointments) (Calls cost 7ppm + network charges)
0843 509 2382
Maternity Allowance (Calls cost 7ppm + network charges)
0843 504 9433
Personal Independence Payment (Calls cost 7ppm + network charges)
0843 509 2380

Calls to the Social Fund on their direct number 0800 169 0140 are free from any BT landline (this include call/phone boxes) and also includes calls from most of the larger mobile phone networks.

The Social Fund

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

advice on getting a crisis loanThe Social Fund is a Government Scheme aimed at helping the disadvantaged or those that are in immediate Crisis, to obtain grants or no interest loans to help in the event of unforeseen circumstances or disaster.

For people on limited income it may sometimes be very difficult to budget effectively for emergency expenses like funeral costs, the costs of a new baby or one-off payments for large items, fridge-freezers, beds, removal costs or furnishing a new home.

People who have just ended employment may also find themselves in a position where they have no income coming in at all.

The Government have made sure that there is a lot of help to be had when you find yourself in a Crisis situation, through the Department of Work and Pensions ( DWP) and Jobcentre Plus ( JCP) There is money available for these situations, although it is limited.

Find out more about Crisis Loans, and get help fast.

This is known as the Social Fund. The Social Fund includes funeral payments, maternity grants, crisis loans, budgeting loans, community care grants and cold weather payments. Added to that Winter fuel payments are also a type of Social Fund payment, however, these are restricted to those that are 60 or over.

If you are on a low income, you may also be able to get benefits to help with your living costs, your rent or other housing costs and your Council Tax.

crisis loans application number

instants cash loans

budgeting loans

get community care grants

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