This 29 year old man is a client of the Sue Lambert Trust. He has been offered some counselling which he is desperate to accept, but he cannot afford to buy himself a tablet or laptop to enable it to take place remotely. The counselling is not through us. He is in receipt of benefits and struggling on a low income. He suffers with complex mental health difficulties and would really benefit from the support that this counselling might offer him and would be extremely grateful for some help towards costs.
A is a 52 year old man who has been struggling to find work over the past year. He has been forced to turn to the foodbank on multiple occasions. During this period, he has fallen into debt due to his low income. A is now being threatened with eviction next month unless he can carry out a Debt Relief Order to clear his debts. Unfortunately he is unable to afford the fee. Please donate to allow A a fresh start and to prevent him from being evicted so he can get back on his feet and find work. Thank you.
T is a recently divorced 37 year old man. Although his wife has custody of their four children, he is paying a significant amount toward their previously-joint mortgage as well as child maintenance. T works part-time, but he is in debt and struggling to stay afloat at the moment. His budget is in deficit and T has turned to the foodbank a number of times recently. Please donate so he can put food on the table while he sorts out his finances with the help of his local Citizens Advice. Thank you.
D is a 29 year old who is currently out of employment and struggling financially. He has debts and is being assisted by his local Citizens Advice with these. D has been recommended for a Debt Relief Order, but he is unable to afford the fee. D is engaged to be married and looking for work. Please donate so he can get back on his feet and have a fresh start in the new year, free of the burden of debt. Thank you.
D has recurring episodes of mental ill health. He was getting employment from time to time but has difficulty managing most aspects of his life, including his work and his finances. He doesn't have the support he needs, though Citizens Advice try their best to help him. He has accepted that he needs a Debt Relief Order to clear his accumulated debts, and a kind donation for the fee would be greatly appreciated.
This 42 year old woman who was homeless and a sex worker has now just moved into a flat. During Covid-19 she had been sleeping on the streets. We came across her on outreach, giving out bags of hope, and after a lot of work from "Mash" and the church she now has her first flat. However, she is in need of help with her electric bills. The electricity meter is broken- it is running really fast and won't turn off. It is due to be fixed, but please can we help so she doesn't get behind in the meantime?
M and his daughter moved into an unfurnished property 7 months ago and have had a lot of expenses trying to get everything they need for the flat whilst struggling to make ends meet with Universal Credit being their only income. They've only had cold or microwave meals since they moved in and would love to be able to cook properly, especially in time for Christmas. Can you help?
S is a 39 year old woman who is struggling financially. She was assisted by her local Citizens Advice to do a Debt Relief Order last year. Unfortunately the local council made a mistake with her Council Tax this year and this has pushed her back into debt. S had work lined up, but this was cancelled due to Covid-19. As a result, she is struggling to afford to feed herself. Please donate so S can afford to eat without falling further into debt while the Council Tax situation is resolved. Thank you.
M and L are both working but due to the recent Covid-19 restrictions M was laid off during the first lockdown. Although now back at work part time, debts have been building up and things have got out of hand and they have approached us for help with dealing with their debts. Just recently M's van has needed some necessary repairs and he needs this to get to work.
G was referred to us for debt advice by a local Christian charity. G is a single dad of three young children who has got into debt after giving up work following a serious case of sepsis. He has struggled for three years to manage but after a lightbulb moment and support he realises the only way for a better future is to try and become debt free. Getting a Debt Relief Order will give him and his children a fresh start so they can focus on the future and enjoy the here and now.
M is a very vulnerable 27 year old with mental health problems which have caused her to overspend in the past. Stress about being in debt has worsened her health, to the point where she recently spent 10 days in a mental health unit. We have provided her with budget coaching and her father will help her with budgeting in the future. A Debt Relief Order would write off her debts, massively reduce her stress and allow her to make a fresh start.
D was working until the beginning of the year and was able to manage her financial commitments, but she lost her job at the beginning of lockdown and her mental health has deteriorated. She has been working with Step Change who have suggested that she apply for a Debt Relief Order due to her circumstances. The court cost is £90 which she doesn't have. Please help her to pay this administrative fee so that she can have the fresh start she needs. Thank you.
T has rent arrears from a previous flat, at the time there was a mix up with his benefits and he hadn't realised that he had arrears until he moved out of the flat. He now wants to apply for another council tenancy but these historic arrears that he has never managed to clear are preventing him from being considered for a new property. He has been advised by Citizens Advice to apply for a DRO (Debt Relief Order) with the courts, but he cannot afford the £90 administrative fee. Please help him if you can, thank you.
M had to give up work to become a full-time carer for his elder sister. While trying to live on benefits instead of a salary, he fell into debt. He has now attended Frontline for debt advice, and we have helped him to manage his budget to cover existing outgoings, but there is no possibility of paying off his debts. He cannot afford to pay for a Debt Relief Order, which will also help reduce his anxiety, so any offer of help will be gratefully received.
S has been working with Christians Against Poverty for several years and has done really well, paying off all of her priority debts. Unfortunately her circumstances have changed as one of her children has just gone to university and she has had her benefits cut. She is struggling to pay for fuel because of this. Please can you help?
M separated from his partner 4 months ago and has been homeless and sleeping rough ever since. A local charity is trying to help him find temporary accommodation but nothing is available yet. His tent and some of his belongings were damaged recently when they were left unattended. He has managed to replace some items, but not everything, and he is now short of money. Help to replace his damaged tent and sleeping bag would be much appreciated and also help with food costs to see him through to his next benefits payment in 3 weeks time.
A single lady who suffers from depression and other medical conditions is trying to get a job through online searching. She has no spare money due to little income and having some debts. Her computer's hard drive has failed and she desperately needs to have her computer working to enable her to have more employment options for working from home. Her 2 teenage daughters also need access to a computer. She is also searching for new accommodation as her present rented house is being sold.
This lone parent of 2 children has recently been housed by the council after being made homeless when her previous landlord sold his property. She works part-time earning a low wage which is supplemented by Tax Credits and is struggling to purchase the larger items that she needs from her limited income. She is in urgent need of a cooker, so I am hoping that you may be able to help. Many thanks.
This lady has significant medical conditions which now give her long-term disabilities. She was admitted to hospital this week due to COVID restrictions. She has been on an incredibly low income while shielding. She has family to support her but they are not able to visit. She relies on contact and we are concerned that her phone supply will stop, preventing her from being able to make contact to pay bills or talk to her family. She will be in hospital for a few months, and £150 will secure her telephone and broadband connection while in hospital, and give her peace of mind.
This applicant is the victim of violent physical abuse by her adult son who has Attention Deficit Hyperactivity Disorder. He has caused her multiple injuries. The police have removed him from the property but he has left a trail of serious damage including smashing up the kitchen and the cooker. She is in a poor financial condition with just a state pension and has commitments to paying off debts. A new cooker would ease her situation and enable her to cook hot meals during the cold days ahead.
This lady is a single parent of 3 children. She has worked as a carer all through the pandemic whilst caring for her family and meeting their needs. Her washing machine has broken, despite several attempts to fix it to no avail. The lady is desperate for a washing machine but is using all the spare money she has to ensure they have some sort of Christmas. This lady has looked after our elderly and most vulnerable people and would really appreciate your help in buying a washing machine. Thank you.
N has struggled with poor mental health, which has resulted in hospital admissions for overdosing over the years. She has struggled to maintain her monthly expenses which has greatly impacted her mental health. She is seeking help with her debts, and has been given budgeting advice from Citizens Advice. She is enthusiastic about a new start and a Debt Relief Order will let her achieve this, and massively reduce her stress. Any donation towards the administration fee would be greatly appreciated, thank you.
L came to us struggling with mental health issues and having recently lost her job as a hairdresser due to the pandemic. She is determined to get herself back on her feet, aiming to be a mobile hairdresser. Her car, which she will need, has been costing her £95 per month to be insured. With our encouragement, she has found insurance for £49 per month. But she cannot afford the £90 cancellation fee on her old policy. Your help with this would make a huge difference for L.
This young man has two children to provide for and is currently working reduced hours due to Covid-19. He is under pressure to settle a bill to a local business. He is not managing to repay anything due to his reduction in income, and has become very distressed about the situation. The settlement of this bill would enable him to manage Christmas for his kids and give him peace of mind in the current uncertainty.
A came to us for a food parcel but she offloaded that debt meant she wasn't able to buy enough food to last. Because of past trauma, A had become dependent on alcohol and had last year been homeless, living in a tent. She was getting support from a local rehousing charity but having debt was still causing her much anxiety. There is no way this lady can manage the fee and she has no one to ask for help. Please can you change this lady's life so she can start again debt free?
A is a single mother of three young children who has struggled with managing her finances for a long time. She has had to use foodbanks several times to feed her children. We have supported her and helped her to balance her day-to-day finances, but she has no ability to repay her debts. A Debt Relief Order would give her a fresh start and hope for the future that she can keep her home and provide for her children.
C is a single mother. She came to Citizens Advice as she was struggling to repay debts and support her 6 year-old daughter. A Debt Relief Order would reduce the anxiety of her situation and help her focus on getting her life back on track. She recently gained a National Vocational Qualification in hairdressing and would like to pursue this as a career.
This lady has really poor physical and mental health problems, she is in desperate need of a bed and mattress and bedding to enable her to have a good night's sleep. Please can we ask the donors of Acts 435 for their kind help, this lady has no extra money to buy the bed, mattress and bedding.
A is in need of a bed and mattress. He is living in one room at the moment and does his cooking in this room as well as sleeping. He is currently sleeping on a mattress on the floor. He recently had an operation on his knee and is still walking in crutches, so this is very uncomfortable for him. Any help you could give him to get a new bed would be really appreciated. Thank you.
C is in financial difficulty after paying to save a friends dog’s life, they have not paid her back the full bill as they should have done. C was on a tight budget already and this has left her in difficulty, all at the same time as tragically losing her dad and being locked down in a different part of the country after attending his funeral there. We are hoping that you could reimburse C for this bill, so that she doesn’t have that worry hanging over her and can be given time to focus on family and grieve.
We are supporting a young lady who has had a tremendously difficult life. We have managed to help this young lady change her direction in life and she has been able to receive treatment for drugs and alcohol use. She is 12 months down the road with her new journey and she has started a level 2 childcare course so that she can get a job. She is unable to do work online as she doesn't have the technology to do this. She has a walking distance of 1,5hrs. We would like to support her with travel so that she can continue her training course.
N lives alone and has physical and mental health problems which confine him to the house for much of the time. He struggles with his finances and has been fined for not keeping up with his TV licence payments. He has £112 still to pay and must make a payment by the end of the month otherwise bailiffs will be called in. He has run out of money and is very anxious about it. He has also run out of gas so can’t put any heating on and with the colder weather this is affecting his health. He would be very grateful for help with these costs.
A single mum of two asked for a food bag at the weekend and admitted she was in debt. Her job went during the first lockdown and she fell into rent arrears. Yesterday she was given the threat of eviction, however she also had a positive job interview. With the aid of Wirral Debt Advice and our Church accessing two other charitable donations, plus this requested £150, we could pay off a lump sum to the Housing Association and set up a manageable arrangement on the arrears balance to avoid the family's eviction.
Last year, this lady successfully dealt with her debts with the help of Christians Against Poverty. She has a real heart of compassion and is now busy trying to help others by volunteering in her community. She is very good at finding cut price food, with which she cooks nutritious meals, but her teenage son has now moved into her flat with her and she could really do with a freezer that is big enough to store food for them both.
A client of ours has passed away very suddenly and her mother has been left with a bill to pay for the funeral costs. This request is for what is owed to the funeral director. For her mother it is sadly her third child that has passed away. Our client wasn't elderly and the cause of death is unknown which only adds to the trauma of the bereavement.
A lives alone in a housing association flat. He is on Universal Credit and is the recent victim of a theft. He is struggling to pay for his electricity tokens and when his electric goes his central heating goes as well because it has an electric pump. So he goes without heating, cooking and light. He is trying to save to pay for a Christmas present for his adult daughter who he has only just become reunited with after 32 years.
A single parent family with three children (the girls aged 4 years and 11 years, and the boy aged 14 years) are seeking beds for the youngest child and mother, who is currently sleeping on the floor. In a small two bedroom flat there is not much space, so they are seeking bunk beds as a priority, with an additional bed/pull out option for mum if possible. Mum has steadily lost work across this year as a freelance beautician - work has now been non-existent since March. Basic bills and food are challenging to cover, and they cannot afford furniture.
B has been struggling with a rat problem. She lives in rented accommodation and has been told that she needs to pay for this problem herself. B has Alzheimer's and is struggling with day to day life. She is also using Christians Against Poverty for debt help currently and is on a tight budget. It would be such a big help if the rat problem in the ceiling could be sorted by Christmas. Thank you.
K lives alone and suffers with poor physical and mental health. He has spent the last couple of days without any electricity, has no money left, and isn’t due to receive his benefits for almost 2 weeks. He has £55 debt on his meter which must be cleared before he can get into credit. He is also struggling for food and having to rely on help from friends to get by. He would really appreciate help to get his electricity back on and in credit and also help with food costs to tide him over to his next benefits payment.
M has struggled with managing his finances for a long time but Covid-19 has made things much worse. He was working part-time before but has had no work since March. This meant that he couldn't pay for gas and electricity and that his phone bills were left unpaid. He has now been granted benefits and will be able to manage going forward. A Debt Relief Order would give him a fresh start and hope for the future. He can be free from the worry that is affecting his mental health. Thank you.
V has been in debt for several years after suffering a severe nervous breakdown and no longer being able to work. Her ongoing mental and now physical health issues have meant she has no prospect of being able to return to work and so no way to pay off her debts - the interest is mounting faster than she can repay. A Debt Relief Order would clear the debts allowing her a fresh start and an end to the anxiety they've caused, but she needs the money for the fee in order for this to go ahead.
GD has always worked and paid his bills on time, he tries to be responsible with money. He recently lost his job, applied for benefits and waited 5 weeks for his first payment to be received, he used the money he had in his bank account to tied him over, but he has now run out of funds and the benefits he will get are all spoken for as his outgoings are more than the benefits he will receive. He wants to move to a cheaper gas supplier but has to pay off his bill first. Please could you help him?
D lives alone and claims Universal Credit. She has always worked until ill health meant she had to stop 18 months ago. She has been diagnosed with multiple cancers and has to attend different hospitals, often at short notice, for procedures and treatment. The travel costs are crippling her, leaving her struggling to meet her day to day needs. £150 would help to provide bus passes to cover the next 2 months to get her to her appointments and this would be a big weight off her mind at such an anxious time.
K suffers from multiple health problems and has poor mobility, making it difficult for her to get about. She has particular problems with access to her flat which is upstairs. She really needs a ground floor property but the local council won’t consider it until rent arrears, owed from many years ago, are settled. K cannot afford to pay the debt and has been advised to apply for a Debt Relief Order. This would enable her to move to more suitable accommodation. Sadly, she cannot afford the fee and would appreciate any help.
A 36 year old refugee parent is desperate to receive help to pay an outstanding water bill from her previous housing as she was moved into a council accommodation when she received refugee status during the pandemic. She is now on Universal credit with reduced benefit and had no warning to begin to save to pay this overdue bill. This is causing her stress and she asks for your help to pay the bill as COVID-19 has meant she has no savings left.
This client is a lone parent to 3 children. The family are in receipt of a low income; Employment and Support Allowance and Child Benefit. Mum has a diagnosis of depression and is struggling with debts. The house is in need of repair with many items of furniture not fit for purpose. The children do not have wardrobes which is causing the family additional tension as they have nowhere to store their clothes hygienically. Mum is on a low income and is unable to afford to buy these.
C is currently working with Christians Against Poverty to help resolve her debts but has had her Fridge/Freezer fail recently. This money would go towards C being able to source a second hand fridge/freezer. This would allow C to buy food that is on offer to help with the budgeting and store these item specially over the Christmas period.
W is working with CAP. He suffers from depression due to the large debt he has accumulated. CAP have proposed bankruptcy as the only way forward for him. This requires £676 upfront to pay for the official legal costs. While W is seeking to save for this, it will take him a long time to raise that amount. This should help him along the way.