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Crisis Loans

Work and Pensions written question – answered on 29th November 2011.

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Photo of Stewart Hosie Stewart Hosie SNP Chief Whip, SNP Deputy Leader, Shadow SNP Spokesperson (Treasury)

To ask the Secretary of State for Work and Pensions pursuant to the answer of 15 November 2011, Official Report, column 719W, on crisis loans, in how many cases loans have been made to meet the interest payments on a loan which had been taken out by a person now on benefits when an endowment policy accompanying a mortgage matures but does not provide sufficient funds to pay off the balance of that mortgage in each of the last two years in each Jobcentre Plus budget area.

Photo of Steve Webb Steve Webb The Minister of State, Department for Work and Pensions

A crisis loan cannot be awarded to pay the interest payments on another loan. As set out in my previous answer of 15 November 2011, Hansard, column 719W, support may be available through support for mortgage interest payments to claimants of income-related benefits.

Crisis loans are only available to meet day to day living expenses for a short period, rent in advance, or, following a disaster such as flooding, the cost of essential household items. A crisis loan must be the only means of avoiding serious risk or damage to the health or safety of the applicant or their family.

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