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Lady too terrified to leave her home

This lady was brought to our attention by our agents.  She is a lady in her late forties, that is in receipt of Universal Credit, but because her adult son currently lives with her that UC amount is seriously reduced.  He is moving out soon to move in with his girlfriend, this will leave her subject to bedroom tax as she will be occupying a 3 bedroomed home.  She is really struggling and is in quite serious debt, so our agents are referring her to their debt team to try to get this resolved.  She has been a victim of domestic violence which has been so severe it has left her with a brain injury.  This has meant she is unable to work, plus she rarely sleeps for very long as any noise and she wakes up.  She is afraid to leave the house as her ex-partner knows where she lives and has already damaged the property leaving her with a broken window she cannot afford to have repaired and her landlords have said that because it was done deliberately they won't pay to repair it either, so she is in her home and it is freezing cold.  She doesn't currently have any money for heating or for food.  We agreed to send her £100 to allow her to buy food and put credit on to her energy meters.

Tags : DWP UniversalCredit FoodPoverty FuelPoverty Debts Poverty

Bereaved family need help

A family lost the father of the family and were renting a property from a relative of the family for a really low price.  However the mother has now remarried and they have now been given an official eviction date.  The mother is working, but she has depression and anxiety, and is also a recovering alcoholic.  They are in the process of seeking alternative accommodation, and will when they move need a new bed, double mattress and a fridge freezer.  The debt the family are in, including a large amount for council tax means they are unable to purchase what they need.  However as the financial needs of the family are far beyond our fund's remit, we couldn't agree to buy these items for them, but we did agree to send them £100 to go towards the things they need.  

Tags : DWP Benefits Debts Eviction Bereavement Poverty

Lady in Refuge without enough money

Our client is a lady currently living in temporary accommodation following a relationship breakdown.  She currently receives £73.10 every two weeks to live on.  She is really struggling to manage, and has to attend court next week regarding an incident with her husband.  She does not have the money to pay any bus fares to court or money to top up her gas and electric meters.  We agreed to send her £100 to help her with and hopefully relieve some of the stress she is currently under.

Tags : Refuge RelationshipBreakdowns Benefits Debts Poverty

Man unable to put on his heating

We were asked to assist a gentleman struggling with anxiety and depression.  He moved home in January 2018 and his gas meter was in arrears when he moved.  Since the move he has been trying really hard to clear the arrears so that he can have some heating on in his flat, as the lack of heat is triggering his depression and making him even worse.  His Universal Credits payments don't allow him to make any headway in clearing the debt and his mental health is really poor with this extreme cold weather.  Our agents had tried other agencies for help with grants, but all so far had refused because of his arrears.  We agreed to send him £100, so he could clear the debt completely and have £30 to top up his meter with.

Tags : UniversalCredit Benefits Debts FuelPoverty Poverty Depression

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

Single lady facing trouble over the Christmas period

We were approached about a lady in her forties, living alone.  She has many difficult health issues, and the constant cold is only making matters seriously worse.  She has rent arrears as well as utilities arrears which are currently being deducted at source from her benefits payments.  The DWP unexpectedly reduced her usual payment by £100, leaving her with just £10 until her next due payment in January 2019.  Our agents are helping her to get the regular deduction amounts reduced, and to assist her with budgeting going forward, and apply for Personal Independence Payments.  She has very little gas and electric left on her prepayment meters, so she will be over the holidays without gas and electric, without food, or both.  Our agents are extremely concerned about her welfare over the holiday period.  We agreed to help out by sending £150 but over three payments of £50.

Tags : DWP Benefits Debts Christmas NoFood NoEnergy Disability ESA

Couple struggling to stay afloat

One of our regular agencies contacted us today about a couple they have been trying to help.  They are in receipt of joint Employment Support Allowance, but because they have a two bedroomed property they are liable for bedroom tax.  They had previously been badly advised about their liability towards this second bedroom which has resulted in them now having to pay almost £40 a week for the bedroom tax and to cover some arrears that had amounted because of this bad advice.  They are also under threat of eviction, which is causing them a great deal of stress.  Our agents are helping them to fight this second bedroom situation, applied on their behalf for carers allowance  and assisting them regarding the eviction notice.  We were asked to help them out a bit, just to let them see that not everything is turning to something bad.  We agreed to send them £100 to help them out with bills, as they are especially worried about not being able to keep their phone connected so they can continue to receive help and support via the phone.

Tags : ESA BedroomTax Arrears Debts EvictionNotice

Single mum of two in trouble

This client was brought to us by our agents as they are supporting her with some serious debt issues.  They have guided her to agencies that can help her get some sort of debt management into place, but she also has an issue in that her oven is broken and is unable to replace it, nor use it to cook for herself and her two children, the youngest of which is only three years old.  We agreed to send her £80 to go towards a repair of her existing oven, or to use to replace it with a reconditioned one.

Tags : Debts singlemother youngchildren nooven notabletocook benefits debtmanagement

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

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 Needed

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.

Tags : UniversalCredit Benefits Debts Cancer DebtReliefOrder

Debt relief help needed

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.

Tags : ESA Benefits Debts DebtReliefOrder

Winter is coming!

We helped someone earlier this year, who was in a desperate situation, she was in debt and being hounded by debt companies and bailiffs.  She was being supported by a woman's shelter, who reported that she was cold from not having a winter coat.  We offered at the time that if needed we would transfer over some money so that she could purchase one.  They approached us again this week and we agreed to send her £35 so that she could have a look round her local area for something suitable.

Tags : NoMoney Benefits Debts NoWinterCoat

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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