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Debts keep woman stuck in unsuitable housing

We are approached about a lady who is living alone in a three bedroomed house.  She has an issue with vermin in the property, is unable to climb the stairs, so sleeps downstairs on the sofa, and is unable to get in and out of the bath unassisted.  She is currently without any practical in person support to help her with keeping clean, so has hygiene issues.  She has been trying for a long time to get moved to a smaller more suitable property, but her landlords are refusing to help her until her debts are cleared for the extra bedrooms (this is due to the bedroom tax for the unoccupied rooms).  She has been diagnosed with mental and physical health difficultities and has made many threats of ending her own life due to the levels of stress she is under.  She is now being supported by our agents, plus she has a social worker who is putting things into place to turn her life around.  Our agents are confident that applying on her behalf for a Debt Relief Order to get her outstanding debts sorted is the best way to go forward, as this would be life changing for her.  We agreed to cover the £90 fee to allow this to happen.

Tags : benefits housingproblems bedroomtax debts DRO suicidethreats

Single mum of two struggling to manage

We were approached and asked to help a mum of two children.  She suffers with depression and has recently been refused ESA at an assessment earlier this year.  She is now existing on her child tax credits and child benefits payments only which are not stretching far enough, so has been borrowing from friends and relatives with no spare cash to be able to pay that back.  Our agents are helping her to request for this decision to be reconsidered, and also that her housing benefit be put back into payment before she falls too deeply into rental arrears.  She doesn't feel mentally able enough to claim job seekers allowance, but our agents are going to help her with this, because it will take a long time for the application to have the ESA decision overturned.  We agreed to send the family £100 so that they can buy some food and to help with gas and electric.

Tags : ESArefusal debts benefits singleparents nomoney

Mother of four in need of assistance

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. 

Tags : debts debtrelieforder rentarrears benefits housingbenefit

DRO help needed

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.

Tags : benefits debtrelieforder debts housingbenefit bedroomtax

Man with Crohns disease left without fridge

We were asked today to help a man who is in a huge amount of debt following being wrongly found fit for work last year.  He has Crohns disease, and is seriously underweight as a result.  His fridge has broken which is essential to him to store fresh food, and without it he will have to rely on convenience food which he can't afford to buy anyhow.  He is unable to afford to purchase a replacement fridge.  We agreed to send him £150 to pay for a new fridge and give him a small buffer to buy some food with.

Tags : benefits ESA debts Crohnsdisease fridge freshfood

Care worker in a fix

Our help was needed this time for a lady who has been working as a carer for the past 15 years, working 7 days a week just to stay on top of her bills.  The pressure of this has caused her to have two heart attacks, leaving her with ongoing problems.  She has suffered domestic abuse in the past too, meaning she ended up loosing her home and is struggling to keep the one she is in now.  She has been advised to apply for a debt relief order, but does not have the £90 fee to apply.  We agreed to cover this for her, and offered an extra £40 to give her a little bit of a buffer.

Tags : lowincome debts heartattack

Lady had to quit her job to become a carer at home

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.

Tags : debts bailiffs debtrelieforder carers

Single mum of two needs help

Our agents contacted us today about a single mum of two children, who has severe mental health problems.  She has been living almost on fresh air and has run out of the tiny amount of money she has to live on, leaving her without gas, electric, food and nappies.  We agreed to help her out by sending over £150 to tide her over until her next payment is due.  Our agents feel at such a stressful time, some help from us might be the boost she so desperately needs.

Tags : singlemum nofood nogas noelectric nonappies debts benefits

Young mother in desperate need of help

We were approached about a young woman, who found herself in a situation where she was married at 17 and forced into a belief system that wasn't her own.  When she fell pregnant with her daughter, he husband walked out and left them both, leaving them in debt.  Her daughter is now two years old and doesn't have a bed to sleep in as the bed in their property was damaged by mould through no fault of their own.  She is currently searching for employment but finding it difficult to manage.  We were asked to help contribute towards the cost of a bed and mattress for her.  We agreed to send over £150.

Tags : benefits poorhousing debts nobed nomoney

Lady dealing with housing benefit complications

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.

Tags : debts debtrelieforder nofood noheating

Debt Relief Order request

Just a quick one.  Our client this time is a lady who lives in her home with two people that are considered non-dependants, so her housing benefit payment is reduced, which has caused her to fall into arrears in other areas.  She is now at a point where she simply cannot manage on the £88 she receives once a fortnight.  The request was that we cover the Debt Relief Order cost of £90 so that she might with our agents support make an application to have her debts sorted out.

Tags : jobseekersallowance debts non-dependantdeductions arrears DRO

Unemployed man being pursued for debts

We were asked to help a young man who has found himself unemployed, and as he has spare bedrooms is liable for bedroom tax, and is in rent and council tax arrears which along with other debts is being pursued by the courts and bailiffs.  This is causing him extreme stress and anxiety, and he has been advised to allievate this by applying for a debt relief order.  However to do this he needs to pay the £90 fee, which he is unable to do.  We were asked if we could cover the cost of this for him which we agreed to do.

Tags : benefits jsa bedroomtax debts courts bailiffs unemployed

Young man in need of food

We were contacted to see if we could help a young man, who is currently estranged from his family.  He has Aspergers and mental health issues, and is struggling to manage his money.  He had unfortunately gone overdrawn on his bank account and when his benefits payment went into his account, it was all soaked up to cover the overdraft.  This has left him with nothing for food or energy.  Our agents were able to get him some food via the foodbank, but with no energy he is unable to cook any of it.  We agreed to send across £5 to clear his overdraft, £20 for his gas and electric and £30 to purchase some food.  Our agents said they'd try to assist him with managing his money going forward.

Tags : benefits overdrafts nogasnoelectric nofood debts

Lady struggling with debt to energy company

Our agents contacted us about a lady in her 50s with a heart condition, who had been registered as a carer for her sister, who sadly has now passed.  While struggling to grieve, she applied for ESA but had problems maintaining contact with her doctor and is now no longer claiming.  Her family have stepped in and are feeding her, but she has debt on her gas account, which means with very limited income she is struggling to meet the demands of the debt.  This also means she cannot afford to put her heating on, which she needs to be able to do right now.  Our agents are going to help her with her benefits, and have applied for a grant on her behalf to clear the debt, but it is not likely that they will hear back either way until the worst of this bad weather is over.  

The lady was in debt with her bank account, so transferring money to her would have been fruitless, as the banks would have just sucked it up in fees or overdraft.  Our agents have challenged the bank charges, which have been refunded, which has cleared the overdraft.  We agreed to transfer enough money, £110 to clear the debt with the gas company, so that she can put her heating back on again.

Tags : gascompanies benefits death bereavement debts nomoney noheating

Man in deep water over his water bill

Our client is a man who is employed on a zero hours contract, and quite often doesn't achieve even 8 hours of work.  He is being threatened by court action over his water bill which currently stands at £400.  The company he works for does corporate events and with Christmas on the horizon he will at least be given some extra hours, so might be able to raise some of this.  In the meantime we have discovered his 'employers' have been allowing him to take the out of date sandwiches to eat, so he has some food to survive on, which is not ideal.

He was advised and supported in getting in touch with a debt agency who have negotiated on his behalf, and as he is a single person living alone, the water company concerned have reduced his tarrif to a lower priced one and applied this as a backdated transaction which has reduced the amount owing.  The debt agency have got them to agree to stop the threat of court action and have agreed to a monthly repayment scheme for the remainder still owing.

We agreed to send across £50 to allow him to be able to buy some food that is not out of date, and £100 to go towards the next couple of months debt repayments, to allow him to catch his breath a bit.

Tags : Waterdebt debts zerohourcontracts nofood

Young man left in the cold

Our agents contacted us about a young man in his twenties.  He has been having difficulties with claiming Universal Credit which has left him £1,000 in arrears.  He is due in court later this month to deal with this.  To try to save up so he can clear some of the arrears, he has been managing without using any of his gas throughout the summer months.  This though has left him with a service charge debt, resulting in his gas being capped.  As it is now getting quite cold he is struggling without any heating, but they won't remove the cap without him clearing the debt of £65, which we agreed to pay on his behalf.

Tags : Universalcredit debts energycosts gas energycapped rentarrears benefits

Grieving girlfriend struggling to manage

Our client was a young woman, who having recently begun a work trial, with the hopes of getting a permanent job from it, was hit with the news that her boyfriend had been involved in an accident and killed.  Unfortunately, her new employer wasn't able to keep the position available for her, while they didn't know how long she'd need off work to grieve.  To make matters worse, she's been kicked out of where she was living, and is now staying with a relative, who is supporting her to the extent of making sure she takes her medication okay.  So she's been left with no income, no home, no boyfriend, but is being chased for debts.  We were asked if we could offer a small amount of money to help her somewhat.  We agreed to send £100 to her to help her out.

Tags : worktrials employment jobloss bereavement accidents debts

Grieving girlfriend struggling to manage

Our client was a young woman, who having recently begun a work trial, with the hopes of getting a permanent job from it, was hit with the news that her boyfriend had been involved in an accident and killed.  Unfortunately, her new employer wasn't able to keep the position available for her, while they didn't know how long she'd need off work to grieve.  To make matters worse, she's been kicked out of where she was living, and is now staying with a relative, who is supporting her to the extent of making sure she takes her medication okay.  So she's been left with no income, no home, no boyfriend, but is being chased for debts.  We were asked if we could offer a small amount of money to help her somewhat.  We agreed to send £100 to her to help her out.

Tags : worktrials employment jobloss bereavement accidents debts

Help needed to apply for debt relief order

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.

Tags : DRO debtrelieforder debts benefits mentalhealth

Head in the sand!

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. 

Tags : ESA Benefits Nomoney DebtReliefOrder debts homelessness

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