M is working with us at Christians Against Poverty. She is currently struggling to be able to keep up with her payments, since being on Universal Credit. She suffers from PTSD, depression and severe anxiety. The stress from the debts has increased all her symptoms and she has become a recluse. She desperately wants to go back to work, but being on such a tight budget and also due to the debts she struggles with day to day tasks. To clear her debts would improve her situation immediately.
Single mum with two young children, age 4 and 4 months. She is currently on maternity leave and is on a low income. She was made homeless some months ago and has been rehoused. Is on maternity, child and Working Tax Credits, but finding it hard to manage, is behind on rent – awaiting housing benefit – due to change in circumstances when her partner left. Her washing machine is leaking and is flooding the kitchen every time she's using it, and she has no spare money to purchase a new one.
K has just started working with Christians Against Poverty and has 2 young children aged 11 and 9. She suffers with depression and now her shower has broken and it will cost £100 to sort out - money that K just does not have at the moment.
This family are struggling financially, and looking after five young boys at home. They desperately need a bed and a mattress for one boy who is currently sleeping on a quilt on the floor. They also need a cot and bedding, and ideally a safety gate and high chair. They are being supported by the local authority, who is providing on-going support, but it would make a big difference if they had suitable bedding for the children. We have found a cot, but need a bed and bedding.
The client who has been a regular to our Christmas day meal got in touch to ask if we could help him as he was currently building up arrears with his heating and electricity costs. He is 69 and recently lost his wallet with 3 weeks worth of pension in it. He has struggled to pay for the bills since then and has built up some arrears. The gas and electric company is threatening to turn it off if he doesnt pay over the next few weeks. This money would help reduce the arrears to almost nothing.
The client who came to us via a referral agency has been struggling with credit card debt over the last year. She has been paying it off gradually and is now down to the last few hundred pounds. Certain interest rates have just gone up with her cards meaning that there is a chance she may only be paying the interest even though she has been reducing it each month. This funding would help her pay off the rest of the debt once and for all and move forward with her life completely debt free.
This is a new CAP client and her husband who are struggling on benefits to pay their mortgage. They are already using the foodbank. They are unable to work because of health problems and also care for two adult daughters as well as a teenage son who are all living at home. They are seeking help to repay an overdraft and loan debts and this will be a real practical help to assist them until a final solution can be found.
C is experiencing financial difficulty and is needing support from a local foodbank. She has been experiencing domestic abuse by her ex-partner and has two young children, both with special needs. Her children need a new school uniform and also has debt that she needs to clear. Any help would be greatly appreciated.
N is unemployed but trying hard to find work. She suffers from depression which is made worse by her financial situation. She receives Job Seekers Allowance but has been sanctioned because of a misunderstanding about an appointment date and she doesn't know how she is going to get through the next 2 to 3 weeks with no income. When she contacted us she had no money left and no food, gas or electric. Help to get her through to her next benefits payment would really ease her worries.
Our client is struggling with debts, rent and council tax being among them. His landlord is asking for payment by the end of the month. Please help.
K is waiting for a lung transplant and wherever she goes she receives oxygen from cylinders. She is cared for by her ex partner but her significant disability has meant that the family have struggled financially and she has become in debt. K has been advised that she could apply for a Debt Relief Order and she is unable to pay the fee of £90.
Our client is a single parent with 2 children aged 14 and 11. Due to long term illness she has not been able to work for some time. Under the care of SMART in Bournemouth she is making progress, but has some expenses that have really stretched her budget and causing stress and anxiety. Children both need mattresses - the existing ones are well and truly past being any good use. Broken springs and incredibly uncomfortable. With children's ages this is not longer something that can be left.
This family are struggling to manage on benefits. Mum struggles with ill health, with fits, blackouts, depression and bipolar. Due to changes in their benefits they have rent arrears and other debts. They are being supported by a number of agencies, but it would make a big difference if we were able to help provide them with a top up for their gas / electric and with some money towards food. It would mean such a lot to them - Thank You.
Couple with 3 children working with Christians Against Poverty to clear existing historic debt through insolvency - just adjusting to new budget and do not have enough funds to meet insurance for vehicle used both for family and for his work as a driller. New budget will cover this once they settle and they should be debt free in 6 months. Help requested to ensure they can continue to use their vehicle in the meantime.
Louise is living with her partner and has long term learning difficulties which means she struggles to manage her finances. She has attended Citizens Advice to see a money adviser and we have stabilized her situation; however she has accrued a considerable amount of debt that she can not afford to pay back in a reasonable amount of time. We have reviewed her options and determined that a Debt Relief Order would resolve her situation; however she is not in a position to pay the £90 fee.
Client is under financial stress, has paid as many bills as she can but her water bill and council tax are still outstanding, so the money will go towards these. She has used the local Foodbank as she is struggling to get her money to cover food bills as well.
The applicant in this application is a single parent with three children. She holds down three small cleaning jobs which reduces the amount of help she can receive from the benefits system. She is the mother of three school age children (two in primary school and one in secondary), and recently her washing machine has broken beyond repair. Please help this working mum to purchase a reconditioned washing machine.
Susan is a single mother who has escaped long term physical and mental abuse at the hands of her now ex-partner. Over the years she has accrued several debts as a result of the aforementioned abuse and is not currently in a position to clear this debt in a reasonable amount of time. Susan has since attended Citizens Advice and we determined that a Debt Relief Order would resolve her debt issue and give her a fresh start; however she is not in a position to afford the DRO fee.
My client is a 47 year old man with long-term mental health issues. He has experienced substantial financial issues due to the loss of some of his benefit income. The client desperately needs a fresh start and we hope to apply for a Debt Relief Order, which will freeze recovery of his debts for 12 months after which they would be written off. The client is currently managing within the budget we have helped him with but the ongoing debt situation is causing anxiety.
L suffers from mental health problems and she has applied for Universal Credit, she had no payments for a month and now she has fallen into arrears with her rent. Her landlord has made an application to the court to evict her. The Court has placed a temporary hold on this application so that she can have the opportunity to apply for a Debt Relief Order, which will write off the rent arrears and she will be able to remain in her home.
Over the past few months the client has dealt with various issues with her ex partner, including domestic violence. She fled her home with her children to get away which made her partner retalitate and take the kids to a different city. Because her children where taken away the client had a breakdown and missed her benefits appointment. She was sanctioned and all of her benefits where stopped which increased the clients depression. This funding would enable her to start to get back on her feet.
The client came to us originally with various needs with finances due to lack of funds because of immigration and other issues. Since that time the clients needs have grown to include furniture and general cooking appliances. The client now has a home but does not have any items of furniture in the home for herself or her children. This funding would enable the client to buy cookign equipment, a bed and go towards carpet in her childrens bedrooms.
The client who came to us for support stated that he is in a desperate financial situation. He has been struggling with poverty for the last few months and it all links back to him paying off his debt. He currently has about £300 in debt left to pay off, with this funding he would be able to almost half that and have the rest of the debt paid off within the next month or so. We have already put a future budget in place for him as he is ready to move forward with his life.
The client who was referred to us by one of our partner agencies has explained how over the last few months he has been trying to pay off various arrears while allowing some of his other bills to snowball. He has been feeling extremely anxious and stressed over the alst few months but now wants to do something about the debt. This funding would enable the initial lump some payment and get him back on track, affordably paying off all the debt within the next few months.
Young mum on benefits has been told her rental contract is up and the landlord can't extend it. She has found another property nearby but needs £650 deposit. So far she has managed to save or borrow £500. She has 30 days to get the deposit together and move but as she also owes her gas and electricity supplier money she is struggling. This little family would really benefit from help with this deposit.
O is currently involved in a court case to get back custody of her 3 year old son who was taken away by her sister after a fall-out. To provide a secure and stable home for her son, she has been spending her limited income on the things he will need, and has left herself short of money to cover her food costs and other bills. She is especially anxious about having something suitable to wear to court as all her clothes are in a poor state. Help from Acts 435 would be really appreciated.
Y has had a very difficult few months. Her brother died just before Christmas and she lost her job around the same time. Since then she has got badly into debt and is in arrears with her rent. Happily, she has just started a new job but is not due to get paid for almost a month. In the meantime she would really appreciate help with her household bills and rent arrears to get her through the coming weeks.
H suffers from acute bi-polar disorder and was entitled to free prescriptions. When she lost her benefits she didn't realise her entitlement to free prescriptions would end. One of her prescription charges has increased from £8.60 to £73.10 and another to £175.80! This is due to the addition of penalty charges and surcharges. The NHS are now threatening to take H to court and this is causing her terrible stress / anxiety which leaves her totally debilitated. Please help us clear this debt
A local Single mum of 2 young girls require new school shoes & sports hoodies, the girls were sharing one as they had sport on different days yet it was lost, & since has chosen to do sport GCSE, therefore they will need one each. M is a lone parent who is struggling to make ends meet as the children's school activities of dance, sport etc are costly. M is on working tax credits so also can't claim free school meals so it is a very tough time financially for the family.
F was made redundant and did not realise he could claim benefits.When he finally claimed he was misinformed about which benefit and is now in process of claiming ESA. In addition mistakes have been made with child tax credits and he has not received benefits for 2 of his 3 children,one of whom has sickle cell anaemia. He will eventually receive the benefits but his housing association are threatening eviction if he does not pay some council tax before end of June and he can't without help.
M's benefits have been unfairly suspended and we have been working with DWP and the local MP to get these reinstated, in the meantime he has no income. He's having to use our Foodbank to get any food and has no ability to heat the food we give him. He'd really appreciate being able to top up his gas and electric meters.
S. is in debt as she is unable to work due to illness. She receives Employment Support Allowance but owes Council Tax and is in arrears with her water bill. A Debt Relief Order is an official device that helps people with low income and no possibility of repayment to cancel their debts. It costs £90. With no debts, and a move to a cheaper flat which she is currently arranging, she will be able to make ends meet. S is being threatened by bailiffs and is in a desperate situation
"After starting work part time and coming off benefits my husband and I have found ourselves falling behind with rent and paying bills. I have 4 children who are desperate for school uniform but we do not have the money to buy them which is causing me a great deal of stress and worry as I strive to make sure my children attend school and enjoy their time there. If I am able to access support to buy replacement uniform I can concentrate of paying my other debts and be less stressed."
Amber is living with her partner (Ben - also has a active request) and two children and due to changes in her benefit entitlement she has accrued several debts. Amber's benefit situation has now been resolved; however due to the low household income she is unable to clear her debts in a reasonable amount of time which has led to a on-going issue with enforcement agents. We went through Amber's options and she has decided to pursue a DRO; however she is unable to afford the £90.00 fee.
Ben attended Citizens Advice with his partner Amber (also has an active request) due to several debts that had accrued. The debts accrued due to changes in their benefit entitlement which resulted in arrears with their priority creditors. We reviewed Ben's options and determined that a Debt Relief Order would be the best solution to cleat the debt and end the on-going issue with the enforcement agents; however Ben is not currently in a position to afford the £90.00 fee.
The applicants washing machine has broken down and for a number of weeks she has had to rely on a friend to get her washing done. The cost of the repairs including parts is £110.00. Unbeknown to her the machine had been leaking for some time and this has caused damage to the floor which she has to get repaired. Being on a low income she is finding it difficult to meet the costs of both the repair to her washing machine and the surrounding floor.
The couple and adult daughter with autism have had their benefits stopped due to a pension lump sum being used to pay off their mortgage. Benefits have been stopped while this is looked into. The gentleman works but is not in the best of health. Your help would make the next couple of weeks easier for them while they wait to hear back about their benefits claim.
AS is a 44 year old single parent, with a 4 year old son, lives in rented accomodation in Malton. In February AS was diagnosed with Anxiety and depression and put on sick leave, her employer dismissed her, so as she is now on benefits and cannot work,and has got in to debts. She was managing her financial affairs until losing her job. Please if you could help AS so she can start afresh without her debts hanging over her, now that she is unable to work
K is married with a large family. Her husband suffers with mental health problems and she is his carer. Their fridge freezer has just broken and they would have to use door step lenders to buy another. They are currently working with Christians Against Poverty to sort out their finances and debt so do not wish to go into further debt to buy a new fridge freezer. If you could help this family they would be really grateful. Thank you.
Y has just started working with CAP for debt help. He is from France and working in the UK. His mother died two weeks ago and he does not have the money for petrol to drive to France. This gift would mean that he could see his family and grieve with his sibling.
This lady has very large mounting debts and cannot see her way clear to paying any of them. She is seeking help from Debt Advice and is desperately needing to apply for a Debt Relief Order. Her only income is of Carers Allowance while caring for her elderly disabled mother. The worry of all the debt is causing her great distress and is affecting her health but is very reluctant to ask for help as feels she should be able to sort herself out. Please help if you possibly can. Thank you.
C has found herself in dire straits as her cooker has broken & now her old microwave has set on fire! She is desperate for a secondhand cooker so she can make herself meals again. If you can help with this need, she would be extremely grateful.
client owed on rent and gas bill. He's been managing to pay little by little but could not afford to buy food at the end of payment. Presently, his gas debt remain £95 and rent debt remain £400 which he's paying £40 on top of his rent. Client is asking for help of £95 to balance payment of gas debt so he can afford to buy food from his benefit
Tara was in a violent relationship. When her partner left, she had all the household bills to pay on her own. She became depressed. She got a job and started working but had a mental breakdown. The debts sprialled. Tara is now working hard with Christians Against Poverty to get out of debt, her budget is very low and she has to go without a lot. Her two children need school uniforms, your donation would be a huge help to Tara
Single young mum with young child has left domestic violence but had to take all the debts with her to leave. She is working with Christians Against Poverty to pay off the debts. They have suggested a Debt Relief Order which she has agreed to. She desperately wants to be free of debt. Can you help her please?
This lady is struggling to pay her bills and is relying on Foodbank. She has Chronic Regional Pain Syndrome. This means although she has a job, because of the pain and limited mobility she has many days off sick. Her employer has cut down her hours which means she is struggling to pay bills. She needs electricity to keep her Spinal Cord Stimulator box charged. This helps her manage her pain and mobility.
C lives with her partner and three young children. They are in arrears with Council Tax and at present the council are taking 17% of her partners wage to begin clearing this. Last month the payment taken was £325 which is a large amount of his wage. They are struggling financially however they are being supported with the local MP to try and clarify this issue and organise lower payments. Please help this family in a crisis out of their control.
This lady is a struggling single mother with two children. She works as an agency teaching assistant but work is really intermittent and she finds it almost impossible to keep up with the bills. Consequently, she has rent and other arrears and has had to use Foodbanks to feed the family. Her saucepans and cooking equipment have worn out and she can not afford to replace them. Your donations would be one less worry and improve the family’s quality of life.
David is a young male who is currently unemployed and is hoping to submit a Debt Relief Order with the support of the Citizens Advice. He currently does not have any income after leaving his employment due to Health and Safety concerns, this also meant that he has been sanctioned from Job Seekers Allowance. He is appealing this decision but in the mean time does not have any way of paying the DRO fee, he would be extremely grateful for any support given which would give him a fresh start.
client has a fine resulting from her forgetting to pay Dartford tunnel fee in 2017 and has now risen to £191 with threats from bailiffs of further charges of £345 and seizure of goods if not paid. Clients working with Christians Against Poverty (CAP) to clear historic debt from K's mental health difficulties a couple of years ago. K and her husband and daughter risk losing car valued £600 if not paid and her husband needs car to get to work. If we can give £120 then clients can find rest.
Client has 2 children and unemployed. She's struggling to pay her debt of £55 on the electric and gas. Foodbank has supported with food on numbers of time. She's been paying this debt by charging extra on the light and gas. This debt has made her family not having enough food at home.
Yvonne is suffering from the shock of her husband leaving her suddenly last August. She is a teacher but has 2 young adult children to support (one at university) and has not been managing to pay all the bills on her own. With our help, her budget is in better balance but she has debts and cannot afford the fee for the Debt Relief Order. She would be very grateful for help with this to get back on her feet.
Mr G who is a part time support worker in mental health. He is on a zero hour contract and has not been getting the hours he needs to cover his rent. As such he is facing eviction if he can't raise this. Any help would be appreciated.
Client is a 39 year old lady who suffers from mental health problems. She came to our service through a programme for offenders, which has helped her turn her life around. She is now volunteering with a local charity, which has been really beneficial for her self esteem. She has approximately £3000 of old debts, which she needs to clear to complete her 'fresh start' so we are assisting her to apply for a Debt Relief Order. Supporting this lady would make a huge difference to her well being.
Louise is a single Mum who is going through the CAP system at this time however this leaves her with no spare cash for emergencies and her Nine year old daughter has suddenly put on a growth spurt and needs all new clothes and shoes plus Louise herself has not had any new clothes for over eighteen months.
Single parent on benefits with shared custody of 10 year old daughter Under counter fridge needed due to his breaking down and being unable to afford replacement he has limited space, if possible with small freezer compartment. Needed urgently due to need to keep food cool in the coming summer months Will accept second hand which are available locally and PAT Tested
This couple are working, but are on low wages and are in debt . They are new clients of Christians Against Poverty and are drawing up budgets. One problem is that their son has a birthday next month and it will be difficult, within the constraints of budgets, to fund any presents or party. They are seeking support to provide something to celebrate their son's birthday. Such provision will encourage the couple to engage fully with the budget process with a view to becoming debt free.
Kathy is an elderly lady working with CAP to sort her finances. She has lost her husband and is still grieving. Recently she took an overdose as she felt so desperate and convinced that no one cared for her. She really needs a boost to get on top of all the payments to bills she needs to make.
Ken has struggled through one winter with a broken boiler having not being able to afford the necessary repair, and we'd love to get him in a better place to cope with next winter. He is working with Christians Against Poverty to sort his finances and is currently on a debt repayment plan. His mental health is very poor and he is unable to work, so money is tight. Some financial help would be a real boost to this lovely client. Thanks for reading.
S has been needing support from a local food bank in order to feed herself. She has a disability which affects her day to day life profoundly. Citizens Advice Bureau have been helping her work through her debts, but she is struggling to cope. She needs support to cope with the financial difficulties that she is finding herself in. A donation to help S would mean that she can start to clear the debts and start to look forward.
J lost his job and suffered a major bereavement at the same time, resulting in significant financial and emotional strain and he ended up struggling with debt. However, recently J started working with CAP (Christians Against Poverty) and they have recommended a DRO (Debt Relief Order) for J as the best option. He is really trying to make a fresh start, and has managed to start working for a few hours a week but he still cannot afford the £90 needed for the DRO.
Please help a guy who is being faced with debt enforcement agencies threatening to take away personal property. I am working with him to resolve wider issues that are going on in his life which have nearly tipped him over the edge.
The applicant suffers from depression. Although she is still on medication she wanted to come off benefits and so found a low-paid job. She moved from a 3 bedroomed house to a one bedroomed flat which was extremely damp and ended in a dispute with the Council which she won. These and other problems resulted in her getting into debt and finally she has sought help from Citizens Advice Bureau who have recommended a Debt Relief Order for which she needs the fee.
H has significant mental health problems. The drug-related abusive behaviour of a family member made home life very difficult and, as a consequence, H has accrued a lot of rent arrears and council tax debt. Her daughter was in care for a while but now the abusive family member is barred from the city and H has her daughter back. The foodbank and Citizen's Advice are supporting H and sorting out her benefits. A DRO would give H and her daughter a new start and lift a massive burden from them.
N is struggling on a low budget and is working with Christians Against Poverty to sort his debts. He is living ibn a small flat with a cooker that does not work. N has worked as a chef in the past and would love to be able to make his own meals. Please consider donating so N can cook and eat hot meals again. Thank you.
This family have just begun working with Christians Against Poverty to help them with their financial situation. The young father has been working overtime for a long time to increase the family income. He has just suffered a stroke and so is now only receiving statutory sick pay. We would love to bless this family with money to help pay their utility bills this next month.
S lives with her partner and they have are a young couple who have been unable to find work and have incurred debts in relation to basic living expenses and they have sought advice about what to do about the debts. If she is able to pay the fee for her Debt relief Order she will be able to be free of debts and stress.
Darren is a young man with multiple long-term health issues which prevent him from being declared fit for work. He is currently claiming PIP and UC and survives on a very low income. My client has struggled with debt for many years and is receiving debt advice and financial capability guidance from the Citizens Advice, the best option for Darren to take would be a DRO, relieving a lot of his anxiety and stress and giving him a fresh start. My client would be extremely grateful for this support.
Kylie is a young women who has recently left employment to become a full time carer for her partner who has multiple health issues, she is currently receiving UC and Carers Allowance. She has tried to manage her debt over the years by herself but found the courage to ask for help, she has decided that a DRO would be her best option. Kylie would be so grateful for this opportunity of help and is excited for her fresh start. Thank you.
Young family of five , lost job due to illness got into dept lost family home, really struggling to make ends meet, washing machine has blown up cannot be fixed. Mum going to the “wash house ‘ three times a week ,massive impact on there income. Mum says she’s exhausted carry all the washing and often gets depressed.
A came to see us about his financial difficulties which had become considerably worse following an accident which impacted on his job, which in turn caused bullying in the workplace. Getting a Debt Relief Order would mean his debts would be wiped out, which has caused him great anxiety so he can focus on everything else going on in his life. Thank you.
B is a leaving care child and following some bad relationships and depression he'd got into debt. We have supported him through a debt relief order but unfortunately he's been in touch as his winter bill arrived and he hasn't any money to pay it. He is anxious that this may be the slippery slope of his debts getting bad again, inspite of our reassurrance. B has no family to support him - he really has no-one else to ask for help so thank you for providing support and care for this young man.
Our client is a teacher, struggling with, debts and ill health Her route out of debt is via a Debt Relief Order, but such is her financial situation that she does not have £90 for the insolvency fees.
A has come to Christians Against Poverty for help with her gas arrears. Her debt is too low to justify an insolvency but due to her very low income, it would take her over 5 years to repay it, which is not sustainable. A gift to clear most of this debt would be a huge blessing to her.
P is a young adult, having left her mother's custody and fending for herself she has amassed rent debt while waiting for her papers to be approved for financial assistance. She needs help to top up her travel card for job search and some money for food items not available at Foodbank.
E moved to England 15years ago with her husband who has permanent leave to remain in the UK. She was his full time carer until he had to go into a home, when E discovered that she only has visitor status and no access to benefits. She is also disabled and currently has no income, so spent the winter without heating. With no money, she cannot get a passport and so a gift from the Acts435 community would be life-changing.
T lives in a privately rented house with her 14 month old son. She had to give up an apprenticeship when her son was born and is currently relying on benefits. She was managing ok until her cooker was condemned and she had to buy a new one. This has caused her to get into arrears with her rent which she has no means of paying off. Whilst her landlord is being understanding about her situation, it is causing her a lot of anxiety and she would appreciate help from Acts 435 to clear the debt.
A is a local authority tenant suffering severe financial hardship, He receives Universal Credit but is unable to meet the costs of numerous debts in addition to heating, electric and food costs. He urgently needs help to reduce his rent arrears and would appreciate any help from Acts 435.
P is in poor health and has been long term unemployed, however the Department for Work and Pensions found him “fit for work”. He found a new job but the hours were erratic, unpredictable, & not sufficient to cover his day-to-day expenses. His benefits could not keep up with his changing income and he began to build up debts. P has worked hard to increase his income, but being unable to pay his debts is making him depressed. A Debt Relief Order would remove this burden & offer a fresh start.
I am a Christian Against Povery Debt Centre Manager. I have a client, a mum of two teenage daughters who has been paying into her plan well. One creditor is not willing to negotiate an affordable monthly amount and have added charges when visiting her property. On top of that she had an overpayment of salary for a couple of months which is being deducted from her wages now. The car is for work and daughters transport. Her budget is extremely tight.
R is working with CAP to resolve his debts. He is qualfied as an HGV driver but is unable to work currently as his medical has lapsed. Given his current circumstances, he cannot afford to get the medical to reinstate his license to enable him to work and would appreciate assistance to overcome this. He is actively caring for his wife who is unwell, so would not be able to work full time, but would be able to improve their circumstances substantially if he was able to do some part time work.
This client is working with Christians Against Poverty and aiming to become debt free. She is struggling to manage her rent and food bills and we want to get the DRO through as soon as possible so she can make a fresh start.
M is a single lady who has recently broken free of both addiction and an abusive relationship. She is in the process of getting help to get her life back on track. As part of this process, she wants to put debts behind her and would like to access a Debt Relief Order to do that. We are trying to find the £90 DRO fee to help her make that happen.
B has been moved for her safety into new accommodation from an abusive relationship She is struggling to make a home due to coping with a large amount of debt and being on a small fixed income of social benefits She feels having a fridge/freezer would help to budget food bills by batch cooking and freezing, also she doesn't have a fridge so shops daily for milk ect. She is seeking help from debt advice to sort out her finances. She is very grateful for any help that you can offer. Thank you