M is a single mum with 3 children, the youngest of which is just 6 weeks old. Her benefits were reduced in August last year, and as a consequence she has built up multiple debts. These include large rent arrears, putting her tenancy at risk. She has been advised that her best option is a Debt Relief Order, but she cannot afford the fee. Help with this would be really appreciated and would give her the opportunity for a fresh start and would give her peace of mind, knowing her tenancy was secure.
P lives with his partner and their two children aged 7 and 16 in rented accommodation and they claim Universal Credit. P is currently unable to work as he is recovering from cancer treatment and their low income has led to their debts spiralling out of control. P is working with our 'Better Off Finance' project which teaches budgeting/financial capability and they have identified a Debt Relief Order as being the best option for dealing with his debts, as he has no money to repay them.
D is a single man who desperately needs to go through a debt relief order (DRO) asap. This will help him to avoid an eviction, and stop all his deductions from hid Universal Credit, allow him to be moved with the Council and give him a better budget. He has health issues and has to travel on buses regularly as he lives in a village. Please consider helping him have a great fresh start and move forward
SC lost his job earlier this year and his benefits were delayed which has put him in arrears with several providers. He has now started to receive benefits but his car needed an MOT & it failed. SC needs his car to get to job interviews, appointments and the food bank etc. To help him in his search and transition back in to work we are asking for help to pay his car MOT and the additional work that is required for it to pass. Thank you in advance.
N is working with Christians Against Poverty and is working towards bankruptcy. He's been living on a low level of Universal Credit, with many deductions so some weeks he can hardly afford to put money on his electric meter. Happily he has just secured some work cleaning, but he won't get paid for over a week, and has to pay to travel to the job. We're looking for help with electric top up money for his flat, and also the train fare for getting to work. Many thanks.
K is working with Christians Against Poverty to sort her finances, and is on an insolvency route. She has got very behind with her TV licence, and as she doesn't go out hardly at all the TV is a real lifeline for her. We'd love to help her get the arrears up to date so its not such a struggle to pay the weekly bills. Thank you.
This man is really struggling with financial and health issues. He struggles to make ends meet and has no spare money. Now his cooker has stopped working and he needs to buy a second hand one. Please would you help him with a donation so that he can cook food properly again. Thank you.
V is a single Mum with two small girls. She works part-time but got into debt due to a benefits mix-up and has never caught up again. She daren't open her post for fear of further bad news and is getting seriously unwell with the worry and concern for the children. She has sought help from Citizens Advice, who believe that a Debt Relief Order is the only way for V to get back on her feet again. V can't afford the fee and would be very grateful for help with this from Acts 435.
This lady struggles financially to make her Universal Credit last for a month. Unfortunately she had a purse containing £250 either lost or stolen while on a trip to visit relatives. The family are in desperate need of help to survive an already difficult situation made worse by this loss of money. Please would you help them with a donation. It would make a huge difference for them. Thank you.
R and T were recently involved in a serious accident where their car was written off, seriously injuring their 9 year old daughter. K has just been released from hospital for home convalescence. Paying the Insurance for the replacement car, to enable this rural family to transport their daughter to appointments and assist daily living has caused hardship. £115 towards the cost would make such a difference!
T is a single mum working with Christians Against Poverty to deal with her debts. Her teenage daughter has OCD and clean clothes are very important to her. A donation towards a washing machine would be very much appreciated. Thank you.
This lady took out a budgeting loan to replace the beds of her 2 children; one was broken, the other an outgrown cotbed. She is still paying off the loan regularly from her benefits but then her own bed broke and she has had to sleep on her mattress on the floor. A spinal problem makes this difficult for her so she has asked for help.
S is really struggling as her universal credit claim hasn't been sorted since before Christmas. The family are needing support from a foodbank and are seeking help from citizens advice. They need help with paying bills through this very difficult time.
R is a young mum of 4 and is struggling financially. MAST are working with the family but times are hard. Mum owes a large amount of money to the energy suppliers and they have now cut off the heating. Money is required to put the heating back on as Mum has a young baby.
L has 3 children aged 10,7 and 3. L is struggling to make ends meet and at the weekend her freezer broke down and all the food in it was lost. L would really appreciate help to replace the family's freezer.
A is a 58 year old lady who has struggled with anxiety for a number of years. An ex-partner racked up large debts in her name but A worked hard at clearing them. Recently she has been off sick and has accrued more debts and we really would like to see this lady be finally free of financial worries. We would like to apply for a Debt Relief Order (DRO) which will make a vast difference to her well being.
L has recently had a relationship breakdown and is now trying to cover the private rent on her own. She has found this extremely difficult whilst only receiving Universal Credit and has struggled to keep things going. We have supported her from the foodbank but she really needs some new shoes and clothing.
A.L. was homeless last year, she moved into temporary accommodation and didn't realise that the gas meter was on a default tariff. She wrongly assumed that this gas bill would be about the same as it was at her previous address, but when her bill arrived it was much more than she had budgeted for. We have contacted the gas provider and they have agreed to reduce the total debt but she still needs to pay £120 towards the cost of the arrears.
Over a long period the applicant kept falling behind with payments and didn't realise how they were spiralling out of control until he found his outgoings exceeding his income. He was at a loss of how he could deal with this until he sought help from Citizens Advice. They recommended a Debt Relief Order to enable him to get control and once this was done to establish a manageable budget, however, he needs help finding the fee for the order to begin to tackle his problems.
The applicant's problems started after her partner died and she had a severe grief reaction. She then developed a mental illness and things started to go wrong. Eventually she realised she had to do something and now has several agencies helping her. She worries excessively about her two children, even though she makes sure she is caring for them well. Debt is part of her problems and a debt relief was recommended to take care of this but she needs the fee to obtain this.
S's marriage has just broken down and she has got into debt. She is now a single parent, with several children, who works part time. She has recently started working with Christians Against Poverty but is so hard up that she has had to borrow money from her children. Please could you help her pay some of her priority bills while she starts to get her life sorted.
R is working with Christians Against Poverty. She took time off work to look after a very sick friend for 3 months and although she informed her workplace it was not passed to the relevant department. Her work are now claiming back the payment for 2 of the months she took off and she has got into debt. Please could you help her to pay for living expenses while she gets her finances sorted out.
My client, E has been struggling, but is getting on top of her debt, with the help of Christians Against Poverty. She is a young mum with with a baby and toddler. At a point when she has already been struggling with changes to her universal credit, her fridge has stopped working, after she had ordered a food delivery. She would be really grateful if you could help her replace her broken fridge as soon as possible. Thank you!
This client came in after receiving support last year when they where in a desperate situation. This time they were referred by local social services as their children had been put into care for the time being as they have no food, heating or electricity in the property. The family have had multiple issues with benefits over the last few weeks and now as they start to sort them out they require support in getting back on their feet. This funding would help them until their benefits are sorted.
M has been a victim of domestic abuse. She is working part time and training to become a chef. Due to the violence of her ex-partner most of her furniture has been destroyed. One of the things that she really needs are new chairs to sit on. A kind donation towards these would be so gratefully received and give her some comfort at home.
Mr G suffers from mixed personality disorder. To compound this he feels isolated as he recently lost two close members of his family and broke up with his girlfriend. He is signed off by his GP as not fit for work at the moment and is currently homeless. His only source of income is the basic level of Universal Credit but this is reduced by nearly 35% deductions due to his debts. A Debt Relief Order would reduce these deductions substantially and help him pay for just his basic needs.
A is in financial difficulty and is currently getting debt advice. She has been engaging with our budgeting services and has just enough money to pay for her essential bills. Due to health issues she needs regular prescriptions but she cannot afford them. A donation towards a pre-paid prescription would mean that she can buy all the prescription that she needs. This will greatly improve her quality of life.
J has recently come out of prison, and he is determined to get life back together again for his wife and 2 kids. They've been really up against it with water, electric and gas bills etc whilst he wasn't around but they're now being really careful with their budgeting. He tells me he wants to pay for his own food rather than relying on foodbank, and when he gets some money he wants to buy a bible for his wife, as they've started going to church as a family.
G has recently lost his job. He came into this country on a spousal visa so is not entitled to any benefits or other public funds. He has been trying really hard to get another job but his money has run out and he does not have any money left to travel to interviews or look for work outside of the city. Any help you could give him to enable him to get a job would be much appreciated.
C is a 40 year old woman with a genetic disorder that has caused learning difficulties and physical and mental health issues. She has recently been moved onto Universal Credit and is receiving less money than before. She is having difficulty managing on her new budget and needs help to pay for gas, electricity and food while she adjusts.
J has a toddler and is pregnant at the moment. Her partner has left her alone and she is struggling to get everything sorted out before she has the baby. Her debt doesn't seem to be too high but she is so stressed and anxious. She is going to raise £40 toward the Debt Relief Order fee but without help for the rest of it she is going to be pushed into severe hardship and so it would be amazing if you could help her get out of this situation and into a fresh start and a new life without the stress. Thank you!
M had her benefit changed and is not receiving any money at the moment because of the changes in the universal credit. She would be very grateful for your help to pay for her gas and electric in the interim period.
A is a single mum who has been working with Christians Against Poverty for some time to manage her debts. Her washing machine has now gone wrong and is not repairable. She needs £75 for a second hand replacement that is available.
This lovely lady is struggling with debts. She has been to her local Citizens Advice office many times, and never followed through with advice. She is now trying to tackle her debts with their help and move forward. She is going to do a Debt Relief Order as a fresh start. She is worried about bailiffs knocking at her door. She has struggled with her ill health for years, but is now feeling strong enough to tackle her debts and move forward.
This lady has battled poverty and debt for years. As with many people dependent on benefits (due to ill health) the smallest change in circumstances affects her. Her daughter has recently come to live with her with a baby and neither are able to cope with the complexity of the benefits system. Clearing her debts will give this family a fresh start free from crippling debt repayments.
This lady with is single mother with a teenage son. She was previously refused Employment Support Allowance, but it has since been reinstated. However, in the interim she has run up a few debts and would like some help to pay her fuel bills at this time.
This lady has 2 sons, a 5 year old and a 14 year old. She is really struggling to make ends meet. She receives Universal Credit payments but a large amount is being taken out to pay back an advance which she needed to survive the initial wait for her benefits. She is in debt and would really appreciate some help. Thank you so much.
This family have fled a situation elsewhere in the country and are in need of money for their rent to pay for temporary accommodation. They will be housed by the council in a couple of weeks so this money, added to what has already been given, will pay for their rent this week.
This young single mum is in need of financial help. Her car is due an MOT in 2 weeks, but she doesn't have enough to cover the cost. She needs the car for her community care work but due to irregular hours & low income, she can't make ends meet. She is seeking help from Christians Against Poverty. She has had a very tough upbringing, an abusive ex-partner & is trying to make her own way. She's not closed to God, is open to prayer & idea of church, but due to her past, it's not easy- Acts 435 would be a great testimony of love.
S is a 26 year old single mother of three who feels that life is is conspiring to crush her. Unable to cope, one of her children is living with her father, another of her children is the subject of an acrimonious custody battle between her and an ex partner. As her Debt Adviser I feel that a Debt Relief Order would give her the opportunity to make a fresh start and relieve her of some of the stress she is experiencing. Can you help?
This young family are just about managing with the dad obtaining temporary work where he can, whilst mum suffers from epilepsy. Sadly, their tumble dryer has just packed up and they simply do not having savings they can use for this. They would be most grateful for any assistance. Thank you.
K has been working to sort out her financial situation and it has been identified that a debt relief order is her only option. In order to make this happen quickly, so the stress levels in her life are reduced, she is asking for help with the £90 fee. The debts have been caused by delays and sanctions with Universal Credit, following illness, and K is determined to sort everything out and hopes to return to work in the new year. Thank you.
L started working for a care company, relying on her car to travel extensively to do the home care she is booked for. She currently works 16 hours, hoping to go full time when she has shown she is reliable. However, her car has been checked prior to her mot being due and it has been identified it needs some work. The garage have quoted £100 for parts and labour. L doesn’t have this money with just starting this job, and changes being made to her benefits. She would be grateful for this help.
This lovely lady is really keen to work with Christians Against Poverty in the long run to deal with her debts which resulted from mental ill health and relationship breakdown. She is really stuck in the short term to get to a place where she is in front with payments and able to make ends meet until the end of the month. It is her son's 1st Birthday next week and so a little help to get him something would be really appreciated and would be a big weight off her mind. Thank you.
Our client, a single mum with 2 young boys, hasn't had a holiday or break in a very long time due to her financial situation, which she is now beginning to work her way through. She does not have any form of transport or savings to afford the train fare to the Christians Against Poverty break she has been offered. At the break she will hear the gospel again (although she has already given her life to Jesus) and her two boys will get a chance to respond as well, so this could be life changing for the family. Our client suffers from depression.
Please could you help this lovely gentleman with his £90 Debt Relief Order fee? He is in recovery and is now making a new start in his life. He would love some help to get rid of his debts and have a fresh start. Thank you so much.
This man has come to his local Citizens Advice office for help with his debts. He is looking to take steps to get debt free so that bailiffs won't keep coming round and he can move forward and take steps to have a fresh start. He struggles with his anxiety and depression and can't really leave the house. He has got into debt by burying his head in the sand and ignoring his debts. Please could someone help him move forward.
L and her partner came to us for money advice. They had got into debt following family illness and then having to move from their family home and change of benefits. L has mental health issues and the debt problems make them worse. The family have tried to keep on top of their debts but have ended up borrowing money to pay debts and the cycle just keeps on going. Getting a debt relief order would stop the attachments to her benefits and take a weight of her shoulders.
R and his partner came to us for money advice. They'd got into debt following family illness, moving from their family home and change of benefits. R cares for his partner who has mental health issues and looks after their 4 children. He currently can't work but hopes to in the future to set a good example to his growing children. The family have tried to keep on top of their debts but have borrowed money to pay debts and the cycle just keeps on going. Getting a Debt Relied Order would help them move on.
J is a young man who recently moved out of his family home to escape abuse. He is working hard to finish college and find an apprenticeship, and he’s also trying to find part-time work now. His benefits are delayed while his immigration status is being sorted out, so he urgently needs help paying for food and basic necessities.
WD is a Christians Against Poverty Debt Centre client. He has a very tight budget and often can't afford to buy food. He also has debts he can't afford to pay. He would be very grateful for any help to pay the fee for a Debt Relief Order which would clear his debts.
J suffers from ill health and has fallen into debt. She is now working with Christians Against Poverty who have advised that she needs a Debt Relief order to clear her debts and make a fresh start. Help towards the £90 fee would be greatly appreciated.
M is a female ex offender fighting unfair dismissal on grounds of discrimination. She has been granted a form of legal aid as she seems to have a case and we vouch for her having her day in court. She is very hard working and really needs some financial assistance to cover travel for the help she needs to enable her to see this case through. The whole process of constructive dismissal has been very traumatic for her and she has needed a lot of our physical & prayer support. She has moved to a new part in the country which is why the costs are so high for travel back for the case and to access the legal support she needs.
M is working with Christians Against Poverty to sort his finances, and is on track to have his debts written off. He is on a very low level of Universal Credit, and there are quite a few deductions from this before he receives his monthly income. He lives in a remote village, and his budget doesn't even allow for bus fares into the job centre. I've referred him to our foodbank, but he has no chilled, frozen or fresh food currently. We'd love to be able to help with these basic needs.
V is currently not working as she is suffering from depression following her marriage breakdown and the death of a grandchild. Her only source of income is Universal Credit but she is losing 40% of this to deductions being taken for various debts. She badly needs a Debt Relief Order, which will reinstate her lost income and rid her of a number of problem debts. She feels that this could be a first step towards rebuilding her life.
J is a wheelchair bound disabled lady who was referred to our service by the local Council Tax enforcement team as she has substantial council tax arrears. They are really keen to help her sort our her debt problems because they know J needs help. Noah's Ark is a specialist Debt Relief Order (DRO) service and we use them to quickly help people like J get back on their feet. Any help in funding her DRO fee would be greatly appreciated.
S lives with her partner who is housebound due to a back condition and arthritis. They rely on a foodbank for support and S is looking for a job. They need support for essential bills and a new bed. Any help will be greatly appreciated.