Adorable Freya was born with a ᴄᴏɴᴅɪᴛɪᴏɴ ᴀғғᴇᴄᴛɪɴɢ just one in three million children. She had ɴᴏ sʜɪɴ ʙᴏɴᴇs in her ʟᴇɢs, meaning she could only move by crawling on her ᴋɴᴇᴇs.
The parents Danielle, 27, and Michael Gibbs, of Llandysul, Carmarthenshire, Wales ᴅɪᴅɴ’ᴛ kɴᴏw anything was wrong with their baby until she was born. Freya was born on September 7, 2017 in Carmarthen, Wales, weighing 6lbs 8oz. Dᴏᴄᴛᴏʀs said she may have ᴄʟᴜʙғᴏᴏᴛ but later they realised her ʟᴇɢs were ʙᴏᴡᴇᴅand she ᴄᴏᴜʟᴅɴ’ᴛ move them. At 18 months old, Freya was ᴅɪᴀɢɴᴏsᴇᴅwith ᴛɪʙɪᴀʟ ʜᴇᴍɪᴍᴇʟɪᴀ, a ʀᴀʀᴇ ʟᴏᴡᴇʀ ʟɪᴍʙ ᴅᴇғᴇᴄᴛ believed to occur in one in a million births. Gibbs said: “Her feet were in an ᴀᴡᴋᴡᴀʀᴅ ᴘᴏsɪᴛɪᴏɴ, her ᴋɴᴇᴇs ᴅɪᴅɴ’ᴛ move and her ʟᴇɢs were in a fixed position. Two weeks later she was ᴅɪᴀɢɴᴏsᴇᴅwith bilateral ᴛɪʙɪᴀʟ ʜᴇᴍɪᴍᴇʟɪᴀ. Bilateral means it happens in both ʟᴇɢs. Further tests revealed she also had a ʜᴏʟᴇ in her ʜᴇᴀʀᴛ, however it is unclear why or what the ᴅᴇғᴇᴄᴛ was.” The parents were ᴡᴀʀɴᴇᴅ their daughter would ɴᴇᴠᴇʀ walk, with the ʟᴀᴄᴋ ᴏғ ʙᴏɴᴇ ᴄᴀᴜsɪɴɢ her ʟᴇɢs to turn inwards. They could let Freya face a lifetime of ᴘᴀɪɴғᴜʟ sᴜʀɢᴇʀʏ in a bid to rebuild her sʜɪɴs or ask ᴍᴇᴅɪᴄsto ᴀᴍᴘᴜᴛᴀᴛᴇher ʟᴇɢs.
Mum Danielle said: ” Words canɴᴏt describe how proud we are of Freya. The first time Freya was able to walk along outside and Mummy and Daddy hold a hand each it felt like a miracle and we were bursting with pride. The little things that most people take for granted are so important to us. They were holding her back so we made the ʜᴇᴀʀᴛbreaking decision to have them ʀᴇᴍᴏᴠᴇᴅ. She grins from ear to ear when we bring them to her to put them on in the morning. She already kɴᴏws that once she’s put her ʟᴇɢs on, she can go out to play. Taking away Freya’s ʟᴇɢs has actually given her freedom she ɴᴇᴠᴇʀ would have kɴᴏwn otherwise. We’d make the same decision again in a ʜᴇᴀʀᴛbeat. It was a hard decision to make, but we felt it was better to have both of Freya’s ʟᴇɢs ᴀᴍᴘᴜᴛᴀᴛᴇᴅ and to let her get used to life without then from an early age. We could have tried to spend the next 15 years having endless ᴘᴀɪɴғᴜʟ ᴏᴘᴇʀᴀᴛɪᴏɴs, but we ᴅɪᴅɴ’ᴛ want to put her through it only for them ɴᴏt to work or for her to decide she wants an ᴀᴍᴘᴜᴛᴀᴛɪᴏɴanyway. This way she’ll ɴᴇᴠᴇʀ remember any different and we hope she’ll quickly adapt to life with ᴘʀᴏsᴛʜᴇᴛɪᴄ ʟɪᴍʙs.”
She added:” ɴᴏw she has the ᴘʀᴏsᴛʜᴇᴛɪᴄs, she is thrilled because she is able to go and play outside, just like her big sister. Olivia absolutely dotes on Freya, it’s lovely to see and there’s ɴᴏ doubt that Freya would ɴᴏt be doing nearly as well were it ɴᴏt for their bond. Before her ᴀᴍᴘᴜᴛᴀᴛɪᴏɴ, she would be trying to walk on her ᴋɴᴇᴇs and following her sister around, but her ʟᴇɢs were getting in the way. As soon as she got her stumps she was on them and walking over to Olivia, ɴᴏt me and her dad. After the ᴀᴍᴘᴜᴛᴀᴛɪᴏɴ, she learned to pull herself up by climbing all over Olivia. We hope she will just continue to go from strength to strength.”
Are you in need of financial assistance but don't want to sell your property? A loan against property might be the ideal solution for you. This type of loan allows you to leverage the value of your property to secure a loan amount. In this article, we will provide you with a comprehensive guide on obtaining a loan against property. Follow these step-by-step instructions to make the process smooth and hassle-free.
Assessing Property Value
The first step in obtaining a loan against property is to assess the value of your property. You can hire a professional property evaluator or consult a real estate agent to determine its market worth. The lender will consider this valuation to calculate the loan amount they can offer you.
Once you have assessed your property's value, it's time to research different lenders who offer loans against property. Compare their interest rates, loan tenure, processing fees, and customer reviews. Choose a reputable lender that aligns with your requirements and offers favorable terms and conditions.
To apply for a loan against property, you need to gather the necessary documents. The typical documents include:
- Property ownership documents
- Identity proof
- Address proof
- Income proof
- Bank statements
- Tax returns
Ensure that you have all the required documents ready and organize them for easy access during the application process.
Now that you have chosen a lender and prepared the documents, it's time to submit the loan application. Fill out the application form provided by the lender, providing accurate information. Double-check the form to avoid any errors or discrepancies.
After submitting the application, the lender will initiate the property valuation process. They will send a representative to assess the property's condition, location, and market value. This valuation helps the lender determine the maximum loan amount they can offer you.
Loan Approval and Disbursement
Once the property valuation is complete and meets the lender's criteria, they will approve your loan application. The lender will communicate the approved loan amount, interest rate, and repayment terms. Upon agreement, the loan amount will be disbursed to your bank account.
Understanding the repayment terms is crucial before finalizing the loan agreement. The terms include the loan tenure, interest rate, and EMI (Equated Monthly Installment) amount. Ensure that you carefully review the repayment schedule and have a repayment plan in place.
Obtaining a loan against property can provide you with the financial flexibility you need without giving up ownership of your property. By following the step-by-step instructions outlined in this article, you can navigate through the process effectively. Remember to conduct thorough research, gather the necessary documents, choose a reliable lender, and understand the repayment terms.
FAQs1. Can I obtain a loan against any type of property?
Yes, you can obtain a loan against residential, commercial, or industrial properties.2. What happens if I default on the loan repayment?
Defaulting on loan repayment can lead to penalties, legal action, and the possibility of losing your property.3. Is the interest rate fixed or variable for a loan against property?
The interest rate can be either fixed or variable, depending on the terms agreed upon with the lender.4. Can I prepay the loan before the tenure ends?
Most lenders allow prepayment of the loan, but it may be subject to prepayment charges.5. How long does the loan approval process take?
The loan approval process can vary among lenders, but it typically takes a few days to a few weeks, depending on the documentation and property valuation process.
In conclusion, a loan against property is an excellent option for individuals in need of financial assistance. By following the step-by-step instructions provided in this article, you can secure a loan against your property efficiently. Remember to thoroughly assess your property value, research lenders, prepare the required documents, and understand the repayment terms. With careful planning and execution, you can leverage your property to fulfill your financial needs.