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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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