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Disabled lady needs help dealing with debts

We were asked to help a disabled lady, in receipt of Employment Support and Disability Living Allowances.  She is in so much debt and will be highly unlikely in the future, given her situation, to be able to repay these.  So our Agent are hoping to help her apply for a Debt Relief Order, so get the debt written off.  What is holding her back though is that she is unable to save the £90 fee to be able to apply for a DRO.  They asked us if we would consider sending a cheque on her behalf so that she could move forward with this in her life, and remove this huge burden for her.  We were happy to do this, and a cheque was sent out.  Hopefully, she will soon be able to have some relief from all this stress in her life.

Tags : benefits dla esa debt debtrelieforder disability

Daughter needs a bed

A couple, both with learning difficulties and health conditions, were offered a bank overdraft, but they didn't understand quite what an overdraft was, and spent money, believing it was theirs, only to find it wasn't and they were now in a lot of debt.  They have been working with our agents to find a way out of debt, and remain in touch to stay out of debt.  Our agents told us that the couple's daughter, who also has learning difficulties, desperately needs a single bed.  The couple are not in the position to be able to purchase one for her, and are afraid of getting into debt again, plus they are struggling now their child tax credit and child benefits payments have stopped.  We agreed we would send across £100 as a contribution towards a bed for her.

Tags : learningdifficulties benefits debt overdrafts bed

DRO application help needed

Our agents contacted us urgently about a lady they are helping.  She has two part-time clenaing jobs, and despite working hard, she has a great deal of debt and trying to pay these back is meaning she is unable to actually buy essentials like food, etc.  Our agents have advised her to make an application for a debt relief order, but she is unable to exist financially at the moment, let alone save for the £90 fee in order to apply.  As this would be a life changing event for her to apply for the DRO, we agreed to send across the £90 to her so she can get this progressed as soon as possible.

Tags : debt part-timework twojobs nomoney dro debtrelieforder

Couple sleeping on the floor

We were approached to see if we could possibly consider helping a couple who did not have a bed and were forced to sleep on the floor, without even a mattress.  The wife works, in a situation where she helps others, extremely less fortunate than herself.  They are in a huge amount of debt and unable to spend any money on a bed, and even if they come into any extra money she prioritises it for the debts first.  Our agent wanted to arrange for a bed to be purchased on their behalf and delivered.  (Our Agent knew any money we offered, they'd put straight to the debts.  The lack of a bed, and lack of sleep, was seriously affecting the mental health of them both).  The husband hasn't worked for five years as he suffers with extreme agoraphobia, and even the idea of a bed being delivered was sending him into extreme anxiety.  Our agent managed to find a well priced bed frame, mattress, and a bottom sheet for them, and using discount codes got the price reduced to £192.91 including delivery on a day and time of their choice.

Tags : Agoraphobia debt bed nobed anxiety

Throwing a lifeline

We were approached about a young man, who had previously been street homeless but was now in accommodation, safe and dry.  However, his crippling depression and anxiety moved in with him and things have got on top of him.  His finances had got out of control and after paying his bills, his remaining money was sucked up by his bank overdraft, leaving him and his dog without food, or any money for the gas and electricity meters.  We agreed to send across a sum of £80 to allow him to top up his meters and buy some much needed food.  Also, he was supposed to have been previously supported in terms of financial budgeting, but this will now be taken over by a new agency that will fully support him going forward.

Tags : familieswithoutfood ESA Benefits debt overdrafts

Much needed relief from Debt!

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.

Tags : debt debtrelieforder UniversalCredit selfemployment benefits

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