Many people find our site when looking for the best crisis loan excuses to use when applying for a Living expenses loan from the Social fund, however what these people seem to have missed is that the discretionary social fund is administered on a case by case basis.

In general, if you are actually in crisis the best bet it to tell the truth, be honest about your reasons for needing help and explain all that you can about your situation.

The person at the other end of the line has heard hundreds or thousands of situations from people applying for a loan and they  have access to all of your payment information, and other applications that you have made.

Just because they can prove that something didn’t happen, does not mean that they have to believe it, and at the end of the day they will be making the decision about your application.

What excuses can I use for a Crisis Loan?

But there are a few crisis loan excuses that we see all of the time, and that are either generally paid out, these include

1)      I’ve lost my money after withdrawing it
2)      My benefits have been taken by a direct debit
3)      My benefit has not been paid

Some of the worst crisis loan excuses that we have seen are basically laughable.

1)      My money has been destroyed in the washer
2)      My baby ate £190
3)      My fridge defrosted in less than 48 hours.

No the basic thing that you have to ask yourself when you are applying for a crisis loan is whether you would believe the story yourself? And what other questions you might ask someone who was trying to tell you the same story and YOU were the person who was making the decision as to whether you believed the story or not.

What excuses have other people used to get a Crisis Loan?

In 2011, Urban75 forum member SJK64 said ” [I] used to work on crisis loans a few years back.just tell em you had unexpected bills or expenses. If you aint had any before you should get a payment – only about fiver a day tho.if you have been on income support for 26 wks you may qualify for a budget loan.used to be 26wks a few years ago.dunno if it has changed.”

In 2009, Stephen on Yahoo Answers said “You lost your wallet/purse/money. It helps if you do it the day after your giro, as the more days that have elapsed since your last payment, the less you’ll get. Sometimes they’ll ask for a crime reference number too, so go to the police, tell them your cash got stolen, and you’ll get it. This could save you the time of applying twice (very nippy).’

Jackie, also on Yahoo Answers, said, “It depends when you last or when you next get your benefit paid. but usually its for the need of food, heating or electricity. when you phone them today be ready to be at your job centre for collection within half and our and if they say can you be there in 15 minutes dont say ok I will get a taxi – be ready for them as they try and catch you out. even say to them that you are in bed with flue but as you have no money for food etc you will drag yourself out of bed to get there on time, but remember if you get £40 they take it off you money at £7 per week.?”

Need to speak to a member of the Budgeting Loan team 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 Call Connection Phone Numbers
Social Fund 0843 506 0283
Crisis Loan 0843 509 2336
Jobcentre Appointments 0843 509 2322
Job Seeker’s Allowance Claims (New Claims & Existing) 0843 509 2383
Employment & Support Allowance 0843 509 2374
Income Support 0843 509 2374
Incapacity Benefit 0843 504 0374
Universal Credit 0843 509 2382
Universal Credit (New Claims & Appointments) 0843 509 2382
Maternity Allowance 0843 504 9433
Personal Independence Payment 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.