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.