Jan 25, 2019
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.
Jan 16, 2019
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.
Apr 24, 2018
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.
Apr 24, 2018
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.
Mar 8, 2018
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.
Feb 27, 2018
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.
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.