May 26, 2017
Our client is a single man who has been street homeless for quite some time. He was living in a tent during the winter, but having developed a chronic cough was ordered to stay with friends temporarily while he recovered. Once the weather improved he moved back towards "home" and stayed with other friends for a nominal sum of money, but now every penny he had has been used up so he is faced with having to navigate the Universal Credit system which seems to cause more headaches than it offers solutions. While he waits for his first payment which could be another few weeks we agreed to send across £75 to allow him to top up his meters and buy some food.
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 6, 2017
We were made aware of a family, Mum, Dad, and four of their children, struggling to keep their heads above water and not lose their home. They'd been given two weeks notice of eviction, and had to raise £650, which were the arrears on the rent, in order to prevent this from happening. The mother is disabled and has been unable to claim employment support allowance previously as the husband has been working which wouldn't allow this. Earlier last year the husband had surgery he had been waiting some time for on his back and was forced to go on to sickness benefits. He retrained afterwards as a lorry driver and was all set to go back to work, but was thwarted in his attempts when he was knocked off his motorbike. This meant he was back on sickness benefits again. With the introduction of Universal Credit, it means that many people go weeks before any money actually arrives in their bank accounts, from which they need to pay their rent, so this only served to mean there were huge gaps in their payments. Their attempts to claim for any financial help are made worse by the fact that their older sons are working jobs on minimum wage, so as non dependant adults, any housing benefit is seriously reduced. This meant that the boys money was literally keeping the family afloat, paying for the rent, council tax, bills and food. A fundraiser was put together to help the family, and £450 of the amount needed was raised that way, by donations offered by friends, family and complete strangers, that simply wanted to help. The Biscuit Fund stepped in and offered £200 towards the final sum, as there is a 15 year old girl in the household currently studying for her GCSEs. This literally saved the whole family being made homeless as well as their two elderly dogs and their cats.
Feb 5, 2017
We were approached via an agency about a man in his 30s who had been self employed but had had to give up work last year when his work began to dry up. He somehow managed to exist by taking out loans to provide some money to live off, but they were now writing to him constantly, seeking repayments which he was unable to meet. He was already suffering with anxiety and depression, and the constant worry of debt was only serving to escalate that. He had been advised to arrange a debt relief order which the agency were helping him with but he was unable to push that forward without the £90 it costs to put a debt relief order in place, as the Universal Credit payments he receives do not allow enough money to do that. We agreed we would send a cheque to cover this amount so that this man could then begin to focus on getting his life back on track and be well enough again to be able to return to work.