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Debt Relief Order Request

We were asked to help a lady who had recently become widowed after her husband died.  She gave up work to care for him when his dementia meant he couldn't be left alone any longer.  She is in receipt of pension and a top up of Universal Credit, and once all her bills are paid she is left with £14 to live on.  Our agents want to apply for a debt relief order for her as her debts are causing extreme anxiety and she simply isn't coping.  We agreed to send them the £90 so they could apply for a debt relief order on her behalf.

Tags : DRO Poverty Bereavement Debts Pension UniversalCredit

Very vulnerable man in debt

We were made aware of a vulnerable 60 year old adult, he is blind, is disabled and was recently moved from claiming Employment Support Allowance to Universal Credit and put into the work capability group, despite being blind.  This move reduced his monthly income by £300, causing him to fall seriously into debt with his rent, gas, electric and water.  Our agents have asked if we could consider covering the cost of a debt relief order, so that he can get his debts into order.  We agreed to send the £90 to cover this, plus an extra £30 boost.

Tags : Debt DRO Poverty UniversalCredit Benefits DWP

Mother of three under threat of bailiffs

A mother of three, with severe mental health problems is having difficulties with bailiffs knocking on her door chasing debts.  She has had a very difficult life, with her mother being imprisoned when she was a child, resulting in her being cared for outside of the family.  After struggling with this, she then went to live with her grandparents until her grandfather died when she was 11.  Her mother returned but was very manipulative and bad with money, so she has not had good role models in her life.  As well as that her mother was physically abusive towards her and also kept her away from school, resulting in her suffering in terms of her education. She has been really let down in respect of support and care, and now finds herself in debt again due to this lack of support.  The bailiffs are causing her a great deal of stress and impacting her mental health in a very negative way.  Our agents are very impressed at how caring she is with her own children and how she is trying to make their lives better, but this recent development is really getting her down.  We were asked to support her by covering the cost of a debt relief order, which we were happy to do, along with sending her £60 as a morale boost for her and her family.

Tags : debts benefits prison physicalabuse poverty DRO

Daughter takes out loan to clear father's debt

A single man of two children has been struggling to manage since his wife left them.  When she left the rent was in arrears and this became higher than he could manage.  His daughter took out a loan to cover this, but of course this now needs paying back.  One of his children works part-time and his wages go to cover some of the bills, but his daughter is at University and is unable to contribute financially.  The man has issues with his temper which means he then is unable to communicate well with others regarding his concerns, or asking for help.  Our agents are hoping to apply on his behalf for a debt relief order to bring things under control financially.  We agreed to cover the cost of this and send over an extra £30 to use to buy some food with.

Tags : UniversalCredit Benefits Debts RentArrears DRO University

Single mum needs help with DRO fees

A young mum with a daughter has been desperately trying to save up enough money to cover the cost of a DRO (Debt Relief Order) which costs £90.  Everytime she gets close an emergency crops up and the money is needed elsewhere.  In the meantime she is being relentlessly pursued for money she doesn't have.  She was diagnosed with anxiety and depression over 10 years ago, but lately it has become even harder for her to bear.  She got into this mess when she found herself unable to cope financially and began to rely on credit to get by, just with basic items, not luxuries.  The father of  the child contributes but it is only minimally, and she works part-time, but is limited as to how many hours she can work as she needs to cover child care costs.  The mother is constantly focused on what she cannot afford to buy and feels her daughter is missing out as she cannot send to her birthday parties as she has no spare money at all to afford a birthday present for her daughter to gift at the party.  She is unable to sleep properly and the stress of worrying about money is impacting her mental health, plus she feels her and her daughter are very isolated because of their financial situation.  The child's daughter are supporting the family by providing extra help for the daughter in class to help her socialise more.

We agreed to send her £120, £90 to cover the cost of the DRO and £30 as a small boost for her and her daughter.  Hopefully with this and some budgeting advice she will be able to get her life back on track.

Tags : Debt Poverty Benefits Loneparents DRO Depression Anxiety

Single mum needs DRO fee

A young mum of twin girls has had to move several times as she fled each time from domestic abuse.  The twins father has physically beaten her, leaving her with a broken neck on one occasion.  The father has since died and the shock of this and dealing with constant depression, suicidal thoughts and being unable to work since has meant she has not stayed on top of her debts and now has bailiffs chasing her.  Our agents have advised her to apply for a debt relief order and have in the meantime got her listed under the welfare category with the bailiffs so she has a bit of protection.  In the meantime though she does not have the money to be able to apply for the debt relief order, so we agreed to pay the £90 on her behalf.

Tags : DRO DomesticAbuse SingleParents Poverty Benefits

DRO fee request

A man who lives alone, unable to read or write is struggling to manage his finances and has got himself into a mess with them.  Our agents are assisting him in applying for a debt relief order, however he cannot raise the money to pay the fee, and without that he can see no way out of the mess he is in.  We agreed to pay the £90 fee on his behalf.

Tags : DRO Poverty debt unabletoreadorwrite benefits

Help with DRO

A single lady, living alone who is in receipt of Employment Support Allowance is in a fair amount of debt.  She struggles with severe anxiety and PTSD, and the debt is causing her anxiety to become worse.  She has no disposable income to deal with the debts and has sought our agents assistance to get these resolved.  They are helping her to apply for Personal Independence Payments and a Discretionary Housing Payment, but in the meantime they asked if we could fund the £90 fee for a Debt Relief Order, which we agreed to do.

Tags : ESA Anxiety PTSD PIP Debt DRO

Mother of one with anxiety and depression

We had a case where a young mum who has suffered with depression and anxiety for years has got herself into a mess with her finances.  It got so bad that the slightest thing, a letter about her benefits, contact from her landlord were spiraling her into a deeper depressed state.  In the end she moved in with her mother who was forced to step in and get our agents on board to help steer her through this mess.  Our agents are requesting details of all her debts, including applying for a credit check to see if there is anything outstanding they don't know about so they can resolve these all with a debt relief order which they asked us to cover the cost of.  We agreed to do this.

Tags : SingleParents depression anxiety debt poverty DRO

Disabled lady in debt

We had a second request for the £90 fee for a debt relief order.  This lady has diabetes and mobility issues.  After she has paid her bills from her employment support allowance she has nothing left and is struggling to cope with debt.  A debt relief order means she can try to see some way forward. 

Tags : DWP ESA Debt DRO

Lady in debt needs help

We agreed to help with the £90 cost of a debt relief order application.  A lady who only has £400 a month total income is struggling with her debts, making just day to day living almost impossible.  Our agents are going to help her apply for a discretionary housing payment to help her going forwards, but some relief from the debt will be an enormous relief for her.  

Tags : Debt Benefits Poverty DRO

Lady on Employment Support Allowance in debt

A lady who suffers with thyroid disease, anxiety and depression is in debt and seems to be unable to break out of this cycle.  The stress of the debt hanging over her head is causing her anxiety to spiral, which only serves to make her depression worse.  Our agents have advised her to apply for a Debt Relief Order and get the debts resolved.  In order to do this she needed £90 to cover the administration cost, which we agreed to pay on her behalf.

Tags : DWP Benefits Debt Poverty DRO

Pensioner concerned by serious debt

We were asked to help out a pensioner who is currently quite unwell, she has had a heart attack, bypass surgery and a broken hip, as well as suffering from dementia, diabetes, cancer and vasculitis.  She has a number of debts which it leaves her struggling to cope with her bills and being able to make repayments to bring the debt levels down.  The stress of this is causing her extreme distress.  Our agents are going to assist her to apply for a Debt Relief Order and were in need of £90 to pay for the DRO.  We agreed to send this over so that this can be applied for.

Tags : DWP Pension Debt Poverty DRO

Lady at risk of losing her home

Debt is biting hard at people unfortunately.  We had another request for help with a debt relief order fee.  This time it was for a single lady who has lived in her social housing home for the past seven years.  She does work and is 'in receipt' of Universal Credit, however, as her hours of work are variable, this frequently means that her Universal Credit payment is reduced to zero.  She is struggling to cope with the rent and the council tax, and there is an suspended eviction notice hanging over her head from two years ago, plus she is in arrears with council tax.  We agreed to send over a £90 cheque to be sent along with her debt relief order application.

Tags : socialhousing debt debtrelieforder DRO counciltax

Man with learning difficulties in debt

We were approached to help a single man with learning difficulties who lives in supported accommodation.  He is unable to read or write and they have been concerned that he might be in a considerable amount of debt.  It has been very difficult to get him to let them know quite how much debt and so has taken some time to get the final figures.  He has given them the information and it comes to £10,000, so they need to apply for a debt relief order on his behalf.  However he does not have the necessary £90 to cover the fee to get this processed.  We offered to pay the £90 on his behalf and arranged to have a cheque sent out to be included with the application.

Tags : Debt learningdifficulties unabletoreadorwrite DebtReliefOrder DRO supportedaccommodation

Man with learning difficulties in debt

We were approached to help a single man with learning difficulties who lives in supported accommodation.  He is unable to read or write and they have been concerned that he might be in a considerable amount of debt.  It has been very difficult to get him to let them know quite how much debt and so has taken some time to get the final figures.  He has given them the information and it comes to £10,000, so they need to apply for a debt relief order on his behalf.  However he does not have the necessary £90 to cover the fee to get this processed.  We offered to pay the £90 on his behalf and arranged to have a cheque sent out to be included with the application.

Tags : Debt learningdifficulties unabletoreadorwrite DebtReliefOrder DRO supportedaccommodation

Disabled Lady in Debt

The lady in question is a social housing tenant, having lived in her home for the past 29 years.  She is unable to work due to arthritis, depression and panic attacks.  She is the sole occupier of her three bedroomed house, so is subject to the bedroom tax, and has debts that the repayments leave her with less than the minimal disposable income.  These debts are causing her extreme anxiety, so she has been advised to apply for a Debt Relief Order in order to relieve herself of the debts.  She cannot though afford the £90 fee to apply for the DRO, even though she has the full support of her advisors that this is her best course of action.  We agreed to cover the £90 fee so that this can be put in place for her.

Tags : Debts DRO DebtReliefOrder BedroomTax Disabilities

Man trying to make a fresh start

We were approached by our agents, asking for us to help a man that is suffering with anxiety and depression.  He is struggling to find work, due to him having a previous minor criminal conviction.  He is in serious debt and this is only making his condition even worse.  His home is very cold and due to debt relating to his energy supplier he is unable to live there and put the heating on, so he is currently staying with friends and family.  We were asked if we could cover the cost of a Debt Relief Order, to the sum of £90 so that he can apply to have these debts resolved and hopefully have a fresh start with his finances.

Tags : DWP UniversalCredit FuelPoverty Debts DRO

Woman in terrible circumstances needs help

The lady in question, due to ill health had been unable to work for some weeks, months even.  She has a daughter who was born with issues with her hips which have required surgery.  The mother tried to claim Disability Living Allowance for the daughter but was unsuccessful as the daughter wants to live as normal a life as possible, so the DWP felt that the DLA payments weren't necessary.  The woman has cared for her late mother who was diagnosed with cancer, then lost her brother too some weeks later, where he was also diagnosed with cancer.  She has been struggling to stay on top of things and simply not making any success.  We were asked to help by paying the Debt Relief Order so that they can get her debts under control, which they feel will remove much of the stress she is currently under.

Tags : Debts benefits DWP DRO DLA

Debts keep woman stuck in unsuitable housing

We are approached about a lady who is living alone in a three bedroomed house.  She has an issue with vermin in the property, is unable to climb the stairs, so sleeps downstairs on the sofa, and is unable to get in and out of the bath unassisted.  She is currently without any practical in person support to help her with keeping clean, so has hygiene issues.  She has been trying for a long time to get moved to a smaller more suitable property, but her landlords are refusing to help her until her debts are cleared for the extra bedrooms (this is due to the bedroom tax for the unoccupied rooms).  She has been diagnosed with mental and physical health difficultities and has made many threats of ending her own life due to the levels of stress she is under.  She is now being supported by our agents, plus she has a social worker who is putting things into place to turn her life around.  Our agents are confident that applying on her behalf for a Debt Relief Order to get her outstanding debts sorted is the best way to go forward, as this would be life changing for her.  We agreed to cover the £90 fee to allow this to happen.

Tags : benefits housingproblems bedroomtax debts DRO suicidethreats

DRO fees needed

Our client is a single mother. She is currently unemployed and in receipt of Employment Support Allowance because she has mental health issues.  She has debts that are causing extreme hardship and every month she is missing paying one bill to cover another one.  This action has caused her to fall behind, with very few options available to her.  Our agents are assisting her to apply for a Debt Relief Order but she cannot afford the £90 fee to allow this to happen.  We were asked to cover this amount for her, which we agreed to do.

Tags : Debts singleparent DRO debtrelieforder fees

Debt Relief Order request

Just a quick one.  Our client this time is a lady who lives in her home with two people that are considered non-dependants, so her housing benefit payment is reduced, which has caused her to fall into arrears in other areas.  She is now at a point where she simply cannot manage on the £88 she receives once a fortnight.  The request was that we cover the Debt Relief Order cost of £90 so that she might with our agents support make an application to have her debts sorted out.

Tags : jobseekersallowance debts non-dependantdeductions arrears DRO

Help needed to apply for debt relief order

We didn't have a great deal of information about this next case, other than that which our agent gave us.  She is a lady living alone, dealing with severe mental health issues, including bipolar disorder, and multiple personality disorders.  She is in debt, and the debt is causing her anxiety to escalate, but she is caught in a situation where she is unable to save enough to have the £90 available to pay for a debt relief order.  Our agents asked if we would consider paying this on her behalf, which we agreed to.  They assured us that they will help her with applying for this and will support her going forward.

Tags : DRO debtrelieforder debts benefits mentalhealth

Lady in desperate need of debt support

We were approached by our agents about a single mum of two adult children.  She has been experiencing social problems as well as issues with her family.  She'd gone through a tough break up and had got into a fair amount of debt.  She was getting help from her local woman's support centre, and this was where our agents came across her when they were asked to assist with her debt issues.  She is dealing with lots of credit card debt and is being pursued for these through the courts system.  She is very afraid of the consequences, and is already a shy and nervous person and this is just adding to her situation, making things even worse for her.  We agreed to cover the cost of a Debt Relief Order, so that she could apply for this, and then begin to get her life back on track again.

Tags : DebtReliefOrder DRO SingleParent Women'sAidShelters

Single Mum battling debt and incompetence

We were approached about a single mum who has divorced her abusive husband.  She has been left with debts that relate back to the marriage, some of the debts not even hers.  Her ex husband has deliberately arranged things with his work so that he looks on paper as if he is not earning enough to pay child maintenance.  She was receiving tax credits, but then a malicious report was made to tax credits about her, and so they stopped her tax credits payments.  This was unexpected and she needed to have money for food, so borrowed on one of these payday loans, which she is now struggling to repay, especially as tax credits haven't as yet reinstated her payments.

We agreed to send across £150 to allow her to be able to buy food for herself and her children, and this money will hopefully tide her over until her payments restart.  We advised that she should investigate looking into a debt relief order, so that she could be free of the debt.

Tags : benefits divorce childmaintenance nomoney nofood DRO

Debt Relief Order desperately needed

We were contacted about a single mum with two young children who had unfortunately got into debt when she was switched over to being paid by Universal Credit.  This young mum is deaf and suffers with anxiety, and the constant chasing from her creditors is only compounding the situation, making things far worse.

With the help and support of the agency, she is getting on top of her day to day bills, but she needs to apply for a debt relief order to sort this out.  However raising the £90 to apply was beyond her means, so we agreed to send across a cheque for the £90 to be sent along with the application for the DRO.  Hopefully she will be able to rebuild her life once the DRO is in place.

Tags : DebtReliefOrder DRO Debt UniversalCredit SingleMum YoungChildren Deaf Anxiety

Mother and son: lost their way!

We were approached about a mother who has been struggling for some time on Job Seekers Allowance, to deal with all her household bills, and each time she falls behind, then fees get added, or a court summons is sought, which just keeps making the financial hole she's found herself in, deeper and deeper, with seemingly no way out. Plus money is then deducted from her JSA, which leaves even less money to live off than she was struggling on before.  So you see it really was a bottomless pit, and she was close to a nervous breakdown.   She has the support of a friend, who is doing what they can, plus the agency that approached us for help.

They requested help with payment to apply for a Debt Relief Order, which we agreed to so that this lady can find her way out of this situation and begin to rebuild a life for her and her son.  We also sent an extra amount so that they could buy some much needed food (they'd been surviving on food from the food banks, as they'd no money left for food),  and a small treat for them both.

Tags : Familieswithoutfood Benefits JSA DRO Debts

Overwhelming debt crisis

We were approached about a lady who had worked for the past 30 years, and had, as we mostly do, come to rely on her usual money coming in each month.  She'd suffered with depression for a while, but it was becoming more and more difficult to ignore and carry on, so she ended up unable to continue with her job.  This left her signing on for Employment Support Allowance, and at the moment she is only on the pre-assessment rate of £73.10 per week.  She and her 18 year old son, currently on a full time course and unable to claim any benefits in his own name are trying to exist on this meagre sum.  

Sadly her debts were building up, and although she was trying to keep everyone happy by paying here and there where she could, it had all become too much.  This is where we stepped in and we have sent across a cheque for £90 to the agency that are supporting her, so that she can apply for a debt relief order, together with £80 directly to them, so that they can have £40 each to go towards food and energy payments.

Tags : EmploymentSupportAllowance Benefits Debts DRO

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