Hello everyone! I guess deep down I already know the answer to my question, but I am hoping that someone can give me some advice, in regards to a glimmer of hope, atleast.:nod: Unfortunately, I am receiving long term Incapacity Benefit and have not worked in many years due to serious illness. I have rented accommodation and no outstanding debts, but I do need several thousand pounds to improve my life, something the DSS wont give out. :-/ With the little money I receive I could just manage to afford some monthly repayments - if I could get a loan, but fear my circumstances will make any lender refuse. :shake: I am truly at my wits end with no hope out of the rut I find myself in, and I don't really want to approach a loan shark to "solve" my problems, although it has crossed my mind. The smallest piece of advice would be greatly appreciated. Many thanks .