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.
Oct 3, 2017
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.
Oct 3, 2017
Our help was needed this time for a of single parent two teenaged children. He was left on his own with their young children when his wife was diagnosed and died of cancer. They ran into a considerable amount of debt during that time, amounting to almost £50,000. They ended up having to sell their home to repay the outstanding mortgage and some of the debts. He is now in receipt of Universal Credit, as he has been pensioned off due to ill health, and unable to work, due to periods of PTSD. He still has £16,000 of debt which he is struggling to repay, so our help was sought to help him fund the £90 needed to apply for a debt relief order, which he qualifies for. His home will not be affected as a result of him applying for this, so we were happy to help him.
Sep 18, 2017
We were approached by our agents who are working with a single man who is temporarily staying in a homeless shelter and has a lot of debt which is steadily rising. He is on Employment Support Allowance and unable to raise the £90 fee so that he may apply for a debt relief order. We agreed to pay this on behalf of their client so that they can help him move forward and get his life back under some sort of control.
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.
Jun 28, 2017
We were approached about a young woman, who is a full time Masters Student,studying social work. She is also a lone parent, who has chosen to become further qualified in order to improve the long term situation for both herself and her daughter. Her hope is that they then don't have to rely on benefits to survive. She has been struggling financially and as a result got into a fair amount of debt, due to being employed in low income jobs and finding it difficult to live on that. She has with the help of the agents applied for a debt relief order which will relieve her of the debt, but does not have the £90 fee to be able to apply for this to be processed. This is where we come in, we agreed to pay this amount for her, so now hopefully she won't be living constantly in fear of bailiffs calling.
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.
Feb 8, 2017
We were contacted today by an agency that are working with a man suffering with anxiety and depression. He had got himself into some quite serious debt and had effectively switched off to it all, shoving his head in the sand. He hadn't claimed any benefits at all for the past two years, relying instead on family who had been putting him up and feeding him. These debts have begun to catch up with him and the relentless letters chasing the debts are only serving to increase his anxiety and feed his depression. The agency are now in the process of helping him to apply for employment support allowance, and seek much needed medical help. They are also helping him deal with his debts, urging him to apply for a debt relief order, as he has no assets or savings. Unfortunately, though with no money to his name he is unable to raise the £90 needed to pay for the fees for the order. We agreed that by sending the money across to cover this, it would allow him to have some relief from stress and begin to rebuild his life again.