Oct 23, 2017
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.
Aug 22, 2017
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.
Aug 15, 2017
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.
May 11, 2017
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.
Apr 3, 2017
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.
Mar 7, 2017
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.