This lady is, with support, applying for a Debt Relief Order (DRO) to address her debts. She also has rent arrears. The lady has very poor mental health and she would be really grateful if Acts 435 donors could help her clear these arrears and pay the DRO fee please.
X is working her way out of debt with Christians Against Poverty. Her cooker has broken and she is finding this very difficult as she has severe health problems. Her 8 year old son lives with her. A gift to help buy a secondhand cooker would be a great blessing to them both.
L and her family struggle to afford the basics due to low income and debt. We are working with them to find ways out of the debt cycle. However recently they have suffered a series of unexpected and costly events including car trouble, vandalism and now their cooker which has been fixed several times before has finally given up. We would like to purchase a new electric cooker for them to give them a chance and to ensure they don't have to take out further credit.
B and her partner are struggling on benefits and unable to work, plus they have her daughter and 3 children staying with them as they are escaping an abusive partner. They are also having large deductions off her Employment Support Allowance and his Universal Credit due to past over payments. Their cooker has now broken and they cannot afford to replace it.
N currently lives with her parents following the breakdown of her relationship with her partner due to domestic violence. Her ex Partner purchased goods using her details and she now finds herself in substantial debt. N would like to apply for a Debt Relief Order to alleviate her situation. N is currently unable to meet the fee for the Debt Relief Order of £90.
L lives with her partner and their two young children and she suffers from significant mental health issues. L has unmanageable debt and is unable to repay the arrears upon the debt and wishes to apply for a Debt Relief Order. She is living in poor housing and about to be evicted. L wishes to apply for a Debt Relief Order to help her situation but is unable to afford the fee of £90.
S lives with her small child and has been suffering with her mental health and rarely leaves her home. She has been struggling with debt which has not helped with her mental health issues. S would like to apply for a Debt Relief Order but she is unable to pay the fee of £90. A Debt Relief order would help her to manage her finances and assist with her mental health issues.
S is on a very low income and is married with four children. As a result of her husband's monthly income changing regularly, the benefits that she is entitled to often change. As a result, she keeps her expenditure very low. Even with this careful planning she is not able to afford to replace the washing machine that has recently broken. Launderettes are expensive and very time consuming. A donation towards a washing machine would be greatly appreciated during this difficult time.
J. is a young gentleman who is on benefits and suffers from Aspergers. He has recently had his uninsured electric bike vandalised and left without a motor. He is devastated as it is the only form of transport that he is happy with. Please help this vulnerable man.
A single mum with two young children, D has lived at five addresses in five years as she has fled from domestic violence. Coping is hard, with significant mental health issues affecting her ability to manage her money. She has resolved to have a fresh start, managing her spending properly. A Debt Relief Order will enable her to clear the debts that she has accumulated over recent years, as we at Crosslight continue to support her.
GS has been in his council flat a long time but after they did some repair work and left a mess, he hasn't managed to pay for paint to cover it up. The amount the council gave him didn't cover it, and they wouldn't give more as he has rent arrears due to bedroom tax. He can't move out currently as he'd be fined due to the 'poor decor'. Being able to paint over the problem would literally help this man move forward.
W is a man who is keen to make a new start in his life. He is receiving support from local services and is fully engaging with them in order to turn his life around. If he can get a Debt Relief Order it would mean that he can make a fresh start in life and more forward in a positive way. A contribution toward this DRO fee would mean so much to him as he is unable to afford it at present. This will make a huge difference to his life - thank you!
L is a 37 year old woman who has just broken up with her partner. L has two children who are both in local authority care. She has substantial debts, and the only way forward is via a Debt Relief Order. Can you help L?
This lady has recently moved back to the area after many years away. She is struggling to make new friends and feels very isolated. I got to know her through a lunch club that the foodbank runs. Her husband works and she is the carer for their 2 very young children. The washing machine broke the same week as the car needed very expensive repairs and there is just no money left. She is desperate for a washing machine, new or second hand, as she is potty training her eldest.
This single mum has 4 children under 10, including a 2 month old baby. She is struggling financially but needs a pram for the baby and money won’t stretch to this, although she could put some money towards it. This would help them get out more easily as a family. Please could you help this family and alleviate added pressure?
This gentleman has recently moved into the town following his divorce. He is working with his bank to pay off considerable credit card debts, but as a result he is struggling to maintain payment of his regular bills. He is currently two months in arrears on his Council Tax, and these funds would enable him to catch up with himself completely. He would greatly appreciate your help at this difficult time.
P is an aspiring student, though she has had her educational journey in the past cut short through health issues. She is currently experiencing hardship through various debts which have spiralled out of control. A debt relief order would regain control and a sense of normality in P's life and enable her to reapply for further education and get back on track to self improvement.
N is a vulnerable young man working with Christians Against Poverty. After leaving care he was put in supported housing and told all his bills were included, but when he left they then told him this was wrong and he had a lot of debt. He moved into a house share where one of the housemates didn't pay their way so his debt increased. He and his current housemate both have autism, dyslexia and mental health issues, and they support each other to manage. A debt relief order would help them both.
J is a 49 year old lady who we have been supporting with financial issues. As a result of debt and family problems she now has mental health problems herself. She needs to open a new bank account but unfortunately doesn't have the appropriate documents and we need to apply for a copy birth certificate and driving licence for her.
This young mum has recently broken up with a partner who was abusive both financially and emotionally- the man has now left the young woman in rent arrears. She has spoken to the council and she cannot move from her current property until the rent arrears are paid. She has 2 small children and wishes to start afresh with her children. This would help her a lot, begin a new chapter and a fresh start in her life.
This young lady is a client of Christians Against Poverty and is desperate to turn her life around before it spirals out of control. She has been advised to apply for a debt relief order, but on her tight budget she cannot afford the fee. She would really appreciate your help with this, which will greatly assist her on her Debt free journey.
G is a single person who is living with severe mental health issues. In 2018 G had a severe mental breakdown which resulted in her being made homeless and accruing a considerable amount of debt. She has since sought help for her mental health and has been re-homed. The debts she accrued have become an issue since she was re-homed with several of her creditors taking enforcement action. We have reviewed her options and a Debt Relief Order is the best solution, however she is unable to afford the fee.
This Mum of 4 recently separated from her husband and is having to move home as she cannot afford the rent and does not have a guarantor. The family are facing huge debts and really struggling. Mum has fibromyalgia and is dealing with a great amount of stress which is impacting her mental health. She needs a wardrobe and 2 sets of draws to support her to get back on her feet, which she could purchase at a local furniture scheme.
A is experiencing abuse from the father of her youngest daughters. He threatens to take her daughters back to Pakistan. He has been charged by the police and is awaiting his first hearing. A has taken out a non-molestation order against him, but now needs a prohibited steps order to stop him from taking their daughters abroad. This costs £214 and she simply cannot afford this alone. Any help towards these costs would be such a blessing for her in her stressed state.
This 47 year old single lady has significant mental health difficulties related to previous trauma. She has just downsized to a smaller property following her children and her partner leaving. She has significant debts as a result of her struggles to manage her money, but is currently trying to address these with the help from a debts advice charity. She is in receipt of benefits as unable to work. She would be very grateful for some funds to help her purchase some basic household appliances for her new home.
C is a single parent of 2 children and has been in an abusive relationship. She is trying to rebuild her life and looking at doing a Debt Relief Order (DRO) to clear her debts. She works part time as well. Please help her with the fees of £90 so we can progress the DRO? She has an agreement with bailiffs coming round at present, so the DRO will deal with these and release money to go to basic expenditure items.
L has recently moved many miles from his home due to racial abuse in his home town. This caused him severe mental health problems and a feeling of isolation. He has been unable to deal with his financial situation, due to his mental health, and his finances have become out of control. He is seeking a Debt Relief Order so that he can make a new start with his finances, now that his mental health is starting to improve.
J is a single gentleman on Universal Credit. He has £3500 debt and no way of clearing this alone, only to go through a Debt Relief Order (DRO). He is very depressed and we saw him smile for the first time this week when we were able to give him hope to clear his debts! Please can you help by giving the £90 he needs to go forward with the DRO?
This lady struggles to make her benefits last for a month. She has ended up owing people lots of money. This has made her very anxious and depressed. She has some physical and mental health issues which are probably stress-related. A donation via Acts 435 would be a real blessing to her. Please would you help her clear her debts? Thank you.
T was brought to us for money advice by her family support worker. Following an abusive and controlling relationship T is in debt. She moved out of the toxic relationship but the debts, put in her name, have followed her. There is no way she can pay these and provide food, heating, new uniforms for her two young children and no-one to ask for help. Getting a debt relief order would get rid of debt so she'd be in a better position to provide for her young family.
G has come to us for debt advice. Following illness and then changes to her benefit she became homeless last year and has been in a bad place. With the help of a local rehousing charity she is getting back on her feet however debts from her past are affecting her future. Getting a debt relief order would allow her to focus on rebuilding her life and get rid of much stress and anxiety about her debts which, at the moment, are out of her control!
The client came after finding himself in significant debt with the council tax department. He had been in touch with them for a few months prior to leaving his home and tried to set up a new account. When he left they failed to cancel his bill and start the new bill from his property. The council tax was higher in his new property but he did not realise until 6 months later when he received the bill. He is struggling financially and this would help pay off the debt and help him move on.
This young man lacks confidence and only goes out to attend the gym. This is a lifeline for him as he would stay at home getting depressed without it. Unfortunately he has got into debt with the gym and cannot renew his contract unless he pays off the debt. He receives Universal Credit but gives much of it to the mother of his 2 children so is constantly struggling to provide for himself. His one pleasure is the gym. Please would you help him to continue to attend it. Thank you.
The client had been living in our supported accommodation for the past 12 months. After working with us with various issues and moving forward into independence, the client has now moved on to his new accommodation. He is in need of funding to help him with the deposit and first months bills. This funding would enable him to secure the property and ensure he has a good start with his new place.
B's start in life hasn't been the easiest and he is desperately in need of a debt relief order. He has attachments to his Universal Credit meaning he has £150 a month to live on - his stomach aches from not being able to eat! There are no family members to ask for help - we really someone can help this young man not just survive but live! Thank you.
L is a single mum of 2 young children. She has an apprenticeship and is therefore on low income. She has struggled to pay old debts but isn't getting anywhere. She doesn't want to give up her job - she wants to be a good role model for her children - but is having to think of every option. Getting a debt relief order would mean she could keep her apprenticeship and get a fresh start so she can focus on being the best mum she can be. Thank you for any help offered.
D is a single mum of 3. She borrowed money to survive during the changes in her benefit and is now struggling to pay the debt whilst providing ongoing food, heat, a roof over their heads. Getting a debt relief order would immediately alleviate this problem meaning she would have enough money to spend time with her children without worrying where the next meal will come from. Please can you help?
A got into debt after a shoulder injury that left her in huge pain and unable to move her arm. P moved in to care for her. The DWP wrongly stopped their benefits so they were unable to pay their rent and began receiving bailiff visits. A encountered Jesus and met a Christians Against Poverty debt coach at church, and they started to see a light at the end of the tunnel. She has had an operation and is no longer in pain.
J lives alone and has large debts for rent arrears, council tax and other debts run up by his ex wife and for which he is liable. He has been out of work since April and receives Universal Credit. He has so many deductions from his benefits that he is left with around just £16 per month to live on. He has been advised that his best option is a Debt Relief Order but he has no money for the fee. He would be grateful for help with this, which would give him the opportunity to make a fresh start.
D is a single mother of two children aged 8 and 2 on Universal Credit. She suffers from mental health issues and has been the victim of domestic violence. Her children have just now moved back in with her, previously they were both living with their grandmother. She has struggled alone with her debt problems, but she has now sought help. She needs a Debt Relief Order because she has substantial debts and a very low income. Can you help?
Ms K has seven children- she is blessed to have 2 sets of twins, but this has meant that she has had to give up work. The wait for Universal Credit has meant that she has got into debt and is struggling to feed her family and pay bills. She is working hard with a debt relief charity to get out of debts and now needs a debt relief order. She would be very grateful for your help to pay the fee for this.
This lady is a single parent, who of necessity can only work part time. She is in discussions with Christians Against Poverty with a view to help manage her debts. She is on a limited income and struggling with debt, so it is difficult to meet any one off expenses. Her vacuum cleaner has broken down and is irreparable. We shall be grateful for any support that can be given to enable her to obtain a new vacuum.
This lady and her partner have 6 children. Her partner has a lung disorder and cannot work. They have been through an initial discussion with our local Christians Against Poverty centre regarding finances. They do not have a telephone and find it difficult to make contact with anyone outside their immediate vicinity. It would make their lives much better if they could each obtain a cheap mobile phone on a pay as you go basis. We would welcome any support.
This gentleman recently left rehab and is in recovery from addiction. He has recently moved into accommodation, he has been transferred to Universal Credit and does not get paid for 4 weeks. He is currently in emergency on his electric. When this runs out this will leave him without heating or a cooker as all his appliances run on electric. Your support would help him maintain his independence and heating and continue to able to cook for himself.
LA needs help towards getting a fridge freezer as his one has recently broken. He has no money to buy one- he is on Universal Credit but is struggling to get by every month normally without this expense. He relies on the local food bank regularly to get food and toiletries. LA would really appreciate any help in being able to buy a new fridge freezer.
R is suffering from mental health issues following an abusive relationship and has had to recently move to avoid further threats to her and her 3 year old child. During the relationship, there was significant financial abuse and R was encouraged her to ignore mounting debts that she incurred due to the stressful situation she found herself in. Petitioning for Bankruptcy would allow her to start afresh financially and focus her attention on raising her child and improving her mental health. R has already raised £500 personally, and another grant has given £80, so we are asking for donations towards the final £100.
We recently visited a lady of 64 years old who had no heating nor hot water due to a broken boiler. We have managed to get her a grant for new boiler but she has other issues. She owes money to the energy supplier and other organisations after being forced on to long-term sick due to suffering from Arthritis and Carpal Tunnel Syndrome. She has no cooker and no washing machine, therefore we are making this request on her behalf for £120 to purchase a cooker. Many thanks.
K has just got a one bedroom place. She works and has £14k of debt and needs to go through a Debt Relief Order. She is very keen to deal with her debts and move forward with her life. All her children live with their Father and she has been through a lot to get to this point. Thank you.
This 36 year old man suffers from severe anxiety and depression which was triggered by the breakdown of a long term relationship. This came at a time when he lost his job and he has been deemed unfit for work ever since. He is reliant upon universal credit and has been unable to maintain his debt repayments which is exacerbating his anxiety. A Debt Relief Order has been recommended by his money adviser but he cannot afford the fee. Your help would give this man an opportunity for a fresh start.
This young man is in need of lots of help. His local Citizens Advice office is helping him sort his debts out. He is a recovering addict and is now clean and looking to sort his life out. He is going to do a Debt Relief Order to help him get debt free, but he needs help with the £90 fee. He has 2 young children and is struggling to feed them as so many deductions are coming from his benefits for his debts. He has regular food bank vouchers and a is being referred for a support worker.
This young lady is having a hard time sorting her money out and coping with the deductions which are coming out of her benefits for the debts they have. She has 2 young children and is struggling to feed them. She is now in a good place for a fresh start and wants to do a Debt Relief Order to help her move forward and out of debt. Thank you so much.
This gentleman has previously been homeless and an addict but he is now clean. As part of his recovery he needs to tackle his debts and he is working with his local Citizens Advice Bureau to do this. Since living on the streets, his life has improved dramatically and he is now ready for a fresh start. He has had help applying for Universal Credit, although he is now struggling to pay the £90 Debt Relief Order fee. He would really appreciate your help. Thank you.
C is a single parent who works nights which she finds hard. She has £11,000 worth of debt so needs to go through a Debt Relief Order (DRO). She has a large sense of shame and sees no light at the end of the tunnel. We have been able to tell her that she has no need for guilt or shame, she is a hard working woman who life has thrown some hard blows to but there is a light at the end of the tunnel with a DRO. Please could you help by donating the fees for this fr her?
G has had a huge alcohol problem for at least the last 10 years. Many services have tried to help him over the years and he is now at a place where he wants help. We are helping him deal with his debts again and a Debt Relief Order would free him from £10,000 worth of debt. He will then just be left with a court fine to pay. He broke down crying at the thought we would help him again. This is a testimony of God at work in this man's life and we're excited to be able to help him again.
K is a single mother who until recently was working full time. Due to ill health she was forced to give up her job and had to make a claim for Universal Credit. During the five week wait for her claim to be processed she accrued debts with several of her priority creditors and was forced to default on the credit she had taken when she was in full-time employment. We have reviewed K's options and determined that a DRO would be the ideal solution; however she is unable to afford the fee.
JM is very vulnerable & now lives in supported accommodation. His ex-partner asked him to leave their home, which he did, leaving everything in it for his ex-partner and their son. JM does not manage his own finances his benefits are paid into his mother’s bank account, she pays his bills and gives him money as he needs it. She has been helping him to save up for essentials but he still needs a hob, which he cannot afford. Once he gets a hob his son will be able to stay with him
A. is currently being taken through an insolvency process with Christians Against Poverty. Finances are extremely limited due to his low income relating to serious health issues. He has a wife and four children. He urgently needs a passport, as it is the appropriate ID required to open up a basic bank account. The account that he currently uses charges a monthly fee plus a £3 charge for every cash withdrawal- an expense that they cannot afford. The cost of a new passport is £85.50.
Miss M has recently moved from a larger property where she was subject to the spare room subsidy. She successfully bid on a smaller property and has moved everything over but she has no funding for carpets which is causing an issue. Miss M is a vulnerable adult who is receiving support to sort all her bills out and debts. She has done really well moving with her limited funds but she has exhausted all available money. She has been quoted £120 for a carpet to be supplied and fitted.
S is a middle aged woman who tries hard to keep her flat clean and tidy, despite being in considerable pain. Five years ago, multiple health issues forced her to give up work, and her physical difficulties have affected her mental health. In recent years she has incurred debts, which she finds it impossible to clear, as necessities take up most of her income leaving just £10 a month for extras. S is asking for donations towards the fee for a Debt Relief Order, so she can have a fresh start.
S is a warm, communicative young woman who has been the victim of sexual exploitation and domestic violence. As a result of her experiences, S had a breakdown a few years ago. Severe mental health issues mean she struggles to cope with everyday challenges. She has a son, who is currently looked after by his grandma. S has been advised to request a Debt Relief Order (DRO), in order to get a fresh start financially, and hopefully physically and emotionally. She requests donations towards the DRO fees.
MS has accumulated debts and is currently on a very low rate of benefits. She also has mental health problems and is unable to access employment. She needs to apply for a Debt Relief Order but cant afford the fee. She is being supported by the Keyring Charity.
C is unemployed and his benefits have been cancelled, though he is seeking reinstatement. He has housing benefit but no other income, relying on friends and the foodbank. He has mental health issues which are preventing him from working. He has no money for gas and has other bills. He would very much appreciate your help.
S has urgent bills that he needs to pay, particularly a water bill which has been passed on to a debt enforcement agency and which is causing considerable stress. He has health problems which prevent him from working and he is in receipt of Universal Credit. Your support in clearing these debts will help S get on an even keel and take pressure off him.
M has recently been abandoned by her husband and is trying to set up a new home for herself and her 3 children. She has significant debts (more than £5,500) which we are helping her with and she is in a low wage part-time job. She is struggling to make ends meet and does not have sufficient funds to buy a table for herself and the children to eat and work at. It would make her feel that her family are more together if she could have somewhere where they could all eat and work.
A came to us in a very distressed state. She has been working but had some time off after being ill. As a result some debts have accrued and we have tried to support as best we can but it's very obvious the best way forward is to apply for a debt relief order (DRO) which costs £90.
C is currently on sick leave for 13 weeks for severe depression and awaiting an operation for Crohn’s Disease. Periods of hospitalisation over recent years has put the family behind financially. The stress caused by financial pressure contributes to debilitating bouts of Crohn’s, creating a cycle of stress and pain. C's wife and two young children are also being affected. C has already secured £28 towards his Council Tax bill of £128. Help towards paying this bill will lift the pressure.