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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

Man with cancer unable to work

Our attention was brought to a man who is currently undergoing intensive treatment for cancer. Previously he had been self-employed and managing quite well, however the change in income for him has been difficult to manage.  He is currently having daily radiotherapy and chemotherapy and the demands on his body means he often struggles to stay warm, which means putting on his heating which he cannot afford to do.  This is causing him to become stressed which is only making the situation worse.  We agreed to send him £100 to help with his energy costs over the next few weeks.

Tags : Cancer UniversalCredit Debt FuelPoverty

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

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 sectioned for over 30 years

We had a difficult case yesterday.  A lady who has just been released from her latest period in hospital, this latest was for six months, was in dire need of some money.  She has spent over 30 years of her life, more than half of it, sectioned under the mental health act.  She is currently living in supported accommodation which they are hoping will work out for her as she doesn't want to have to go back into hospital again.  She is though unable to cover the shortfall in her rent, nor pay her gas bill.  Her mental health holds her back, but her budgeting skills are not good, so when our agents visited her she had absolutely no food in the house at all.  They have put in an application for PIP, but she has only just been assessed so it will be at least another 4 weeks before that is put into payment.  We agreed to send her £175, to cover the shortfall in the rent, the gas bill and to pay for some food.

Tags : MentalHealth Sectioning ESA PIP Debt Rent Poverty

Woman on apprenticeship unable to manage financially

Our agents asked us if we could help a young woman who is currently employed via an apprenticeship scheme which means she is on a very low income.  She has a number of debts which she is repaying, but she is being referred to talking money to help her get the repayments organised.  The debt is causing her anxiety, and recently she has been off work due to catching a virus.  The knock on of this has meant her income has fallen even lower, leaving her without food or heating/electric.  Our agents have taken her to a foodbank to make sure she at least has some food but asked if we could help with the energy costs.  We agreed to send her £80.

Tags : Working Apprenticeships Debt Poverty Sickness FuelPoverty

Man living alone without income

Yesterday our help was needed for a man who lives alone in a one bedroomed flat.  He separated from his wife last October, but despite this she has been accessing and debiting his bank account without his knowledge, forcing him to shut his account down to prevent this from continuing to happen.  He was in receipt of Employment Support Allowance as he suffers with depression, extreme anxiety and Chronic obstructive Pulmonary Disease (COPD), however he failed his assessment and his benefits ceased being paid in February.  Since then he has existed on two small crisis loans from his local council, but he has had his maximum and can't have any more.  Our agents are going to help him with appealing the decision but as it will take some time for the DWP to look at his case again he will be without money while he waits.  We agreed to send him £150 so he can buy some food and pay some of his bills.  

Tags : DWP Benefits ESA Appeals Debt Poverty FoodPoverty

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

Man feels bullied so leaves his job

A man who was working as a chef, has recently left his job as he felt he was being singled out for unpleasant attention, so much so that he felt bullied.  He suffers as well with mental health issues, and doesn't fully understand the benefits system, so has fallen behind with his rent and is now facing the threat of eviction.  He has applied for Universal Credit, and is due to receive his first payment this Friday.  From his £520 payment he is going to make his  rent payment plus £50 towards the arrears.  This though will mean he will be left once the bills have been paid with no money for food for the month until his next payment is made.  We agreed to send him £100 to help him out so he has some food.

Tags : UniversalCredit Benefits Debt RentArrears Eviction

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

Single mum unable to afford gas or electric

A single mum who is in receipt of Universal Credit to top up her wages is really struggling to manage financially.  Her UC amount varies from month to month, but usually she has just enough to cover the cost of her rent.  Once she has bought food, and paid her bills she doesn't have enough money to put any credit on to her energy meters.  We agreed to send £100 to help the family out.

Tags : UniversalCredit Benefits Debt FuelPoverty Poverty

Former nurse affected by cancer

A former nurse now impacted by cancer is struggling to manage financially.  She is in receipt of Employment Support Allowance and also Personal Independence Payments (PIP) however the PIP payments have now stopped being paid and she is currently in the process of appealing that decision.  The stopping of her payments has made life extremely difficult financially.  Her condition will only get worse than it is already, and the stress of her change of income has made matters worse.  She needs to be scrupulous about hygiene, but is worried about having enough money to put the heating on so she can have hot water.  We agreed to send her £100 to help her out.

Tags : Cancer ESA PIP Debt FuelPoverty

Debt Relief Help Required

This time we were asked about a woman, who suffers with depression and anxiety.  This has meant that dealing with her mail was proving to be very difficult, to the point where in the hopes it would all go away, she tried to ignore it.  Unfortunately that decision has now caught up with her and she is faced with being chased for repayment.  Previous to March this year she was working and struggling to keep her head above water financially, but now she has been signed off work and is on Sickness Payments, her income has dropped substantially.  She and her disabled daughter are struggling now to even buy food.  Our agents are going to help her apply for a debt relief order, but they needed our help to fund the £90 necessarily to allow her to do this.

Tags : Benefits DWP Debt DebtReliefOrder Depression Anxiety

Single Mum in serious amounts of debt following benefit cap

Our agents approached us about a single mum of four dependent children.  They are assisting her to get her benefits sorted out, and unfortunately as a result of the benefit cap the benefits she was receiving have been seriously hit, resulting in her being in quite serious debt.  She is trying to resolve this, but with not enough money to go around she ends up "robbing Peter to pay Paul" to quote a phrase.  To apply for a debt relief order she needs to save £90, but as fast as she tries to something crops up and the money saved is needed for something else.  We agreed to send a cheque for £90 to support her debt relief order application.

Tags : Benefits BenefitCap SingleParentof4 NoMoney Debt DebtReliefOrders

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

Help with moving costs

We were approached about a lady who had been getting into financial trouble as the property she was housed in with a private landlord was too expensive for her to manage.  Alternative accommodation was found for her, which would be within her financial means but she did not have any available money to pay for someone to move her furniture and belongings.  We agreed to send across £100 to help her with that.

Tags : Rent Debt PrivateLandlords RenttooHigh MovingCosts

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