Mar 4, 2019
Debt is biting hard at people unfortunately. We had another request for help with a debt relief order fee. This time it was for a single lady who has lived in her social housing home for the past seven years. She does work and is 'in receipt' of Universal Credit, however, as her hours of work are variable, this frequently means that her Universal Credit payment is reduced to zero. She is struggling to cope with the rent and the council tax, and there is an suspended eviction notice hanging over her head from two years ago, plus she is in arrears with council tax. We agreed to send over a £90 cheque to be sent along with her debt relief order application.
Apr 25, 2018
We had a very difficult case to deal with this week. We were asked to help a lady who was seriously sexually attacked as a very young child. Her home life was not good at all, and when she was 16 she witnessed her father commit suicide which left her extremely traumatised. Years later, after the birth of her son, she was diagnosed with mental health problems, and it was agreed that she has probably suffered with this for almost all of her life.
Two years ago social services became involved when she was terrorised by a group of young men, friends of her neighbour. Their antisocial behaviour caused her to attempt taking her own life as she felt unsupported and had no one to help her. Fortunately she was found and taken to hospital. She is a very vulnerable person, who is easily taken advantage of. Her supposed friends ran up debts in her name, leaving her to foot the bill which she cannot afford to do. Given her mental health issues and how stressed she became in the past over things we were asked to hlep by paying the cost of the debt relief order for her, so that these debts that are of no fault of her own can be sorted out.
NB It might seem that we are helping a lot of people out in this way just recently, but debt is a crushing concern. Someone could be working and paying all their bills without worry, but then something happens, through no fault of their own, a car accident, illness, bereavement, job loss, redundancy, and suddenly it all comes crashing down like a house of cards around them. Being on benefits is not the breeze you might see portrayed in the media, there are people that are living a hand to mouth existence, sometimes regularly missing meals, or going without heating their homes. So having that bit extra to cover a bill becomes unachievable. You miss the first payment, its okay, you'll catch up, but you are already on a slippery slope. When people are faced with the decision of do they spend £10 on food for the week or send that money off to chip away at a bill, then you can see the dilemma and just how crushing debt can become. So to help out this way can in some cases mean quite literally the difference between life and death. So every penny you donate to us, is being used to help people in desperate need, for which we warmly thank you.
Apr 3, 2018
These cases don't happen very often, or like today they come all at once. This case was a young mum who was left on her own in serious debt by her partner just after their baby was born. She has been suffering with post natal depression and the amount of debt is emotionally and mentally crippling for her. Our agents have said that she could spend her entire life trying to pay this debt off, which was all taken out in her name, so there is no recourse to the partner unfortunatley. She is currently in receipt of employment support allowance as she is not well enough to work. We agreed to cover the fee to allow her to begin to rebuild a life for her and her child.
Apr 3, 2018
In this case we have a mother of four adult children. After deductions from her benefits because she has four adults living with her, she is left with not enough to live off and cover their bills. One adult child works and helps her out, two others are in receipt of benefits themselves and give her a small amount each week. The youngest has mental health issues and is struggling to claim benefits for themself, so that they could offer some contribution to the household budget. The mother has been getting increasingly into debt, and has been advised to submit an application for a debt relief order, which she needed help in applying for. We agreed to pay the £90 fee.
Apr 3, 2018
The request for help came on behalf of a young man that after deductions are taken from his benefits has £130 per month to live off, to buy food, pay for heat and electric and cover all his bills. This is not enough, and he is in arrears with his rent because of a shortfall in housing benefit because of the bedroom tax. He is going without heat and food to try to stay above water financially. His advisor has instructed him to apply for a Debt Relief Order, but this costs £90 and he can't afford to live, let alone raise that much money. So his advisers approached us and asked if we would be prepared to make the payment for him. They said that this would be life changing for him, so we agreed we would be happy to help.
Mar 22, 2018
We were asked to help a lady who has had to give up her job to become a carer in her home. She is struggling to stay on top of all the bills but is finding it very hard as she simply does not have enough money coming into the house. She is trying to work part-time to help out the financial situation at home, but it is not working too well. She is now getting bailiffs calling at the house, and this is causing her extreme anxiety, and is making her depression much worse than it was before. We agreed we would help her with this and arranged to have the money sent over so the application for the DRO could be made on her behalf.
Mar 21, 2018
Our help was needed this week for a young man that following the death of his parents some years ago, he has fallen into debt with his rent because of the bedroom tax, he also has a debt company chasing him which is causing great concern. He is trying to exist on £73.10 per week and this isn't even touching his bills. He has become quite reclusive since his parents died and has cut off contact with almost everyone. Unfortunately his rented accommodation has fallen into disrepair and his landlords are housing him elsewhere while his property is repaired. Our agents are helping him by applying for some grants to try to help with his rent going forward and asked us if we could cover the cost of a debt relief order, so that this man could have this debt sorted out. We agreed to do this.
Mar 8, 2018
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.
Mar 1, 2018
We were contacted about a lady who has been having problems with her housing benefit since the death of her husband a few years ago. She has single handedly been trying to keep her family afloat and keep a roof over their heads, but she is the only one contributing. She is at a point where all her money is being used to deal with debts, and to provide food for her adult children, leaving her unable to heat the house, nor have anything to eat herself. She is borrowing money from family and friend so that she can buy food, but of course has to pay that back as soon as her benefits payments come through. Our agents asked us to help her by covering the £90 fee so that she can apply for a debt relief order. We agreed with doing this, and to add an additional £30 so that she could afford to heat her home, especially as it is so cold right now with all the snow.
Jan 15, 2018
Our clients asked if we would consider funding a DRO (debt relief order) application fee for a single mother, with a 21 year old son. He is at College, but not in receipt of any income whatsoever. She is only in receipt of £73.10 per week Job Seekers Allowance. She is drowning in debt, which come to almost £15,000, not all of it credit card debt, it is rent arrears due to the government introduction of the bedroom tax, plus utilities arrears, as her £73.10 a week do not come even close to covering her day to day living costs, let alone catch up with any debts. The DRO will allow her to have a fresh slate and try to plan for the future, without the constant worry of debt collectors.
Nov 29, 2017
We were contacted about a lady who is living in accommodation which is in a terrible state. She needs to move, but because she is in so much debt it is not likely this can happen. Our agents requested that we offer to fund the £90 needed for the debt relief order so that she can have this put in place, as she is unable to afford this herself. We agreed to send over £150, so an extra £60 for food and essentials.
Nov 4, 2017
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.
Oct 27, 2017
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.
Oct 23, 2017
We didn't have a great deal of information about this next case, other than that which our agent gave us. She is a lady living alone, dealing with severe mental health issues, including bipolar disorder, and multiple personality disorders. She is in debt, and the debt is causing her anxiety to escalate, but she is caught in a situation where she is unable to save enough to have the £90 available to pay for a debt relief order. Our agents asked if we would consider paying this on her behalf, which we agreed to. They assured us that they will help her with applying for this and will support her going forward.
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.
Oct 27, 2016
A single man who had been hit badly by benefits cuts following the departure of his adult son from the household was in desperate need to some support. We became aware of this man's situation, and from the information we were able to get, he was in a dire situation and in desperate need to apply for a debt relief order in order to clear some of the debts he has, especially the high debts to do with his housing which will allow him to avoid eviction and homelessness. As he is only receiving job seekers allowance of £73.10 per week, it was impossible for him to meet his bills and buy some food, and then on top of that find the £90 necessary to apply to the Insolvency Service to have a debt relief order be processed. We considered that as this would mean this man could keep a roof over his head it was an easy decision to make.