M is a 56 year old man with severe mental health issues. He had a breakdown as recently as last week and suffers with anxiety, depression and suicidal thoughts. M was previously in an abusive relationship which had a significant impact on his mental health. M is currently applying for Personal Independence Payment (PIP) but in the mean time is struggling to stay on top of his bills and afford to feed himself. Please donate so he can stay on top of his finances until his PIP is awarded. Thank you.
N is a Mum who has £10k of debt and has struggled for many many years to pay these off. She works in a very low paid job and also cares for her partner. She is very stressed by her debts and cannot cope with the pressures of life so we are believing a Debt Relief Order will go a long way to bringing peace into her life and a work/life balance. We are working closely with her to seed her move forward in her life in a positive way.
R is a married man who has had debts for many many years. He also has a daughter and is struggling to cope with the pressures of life. He has £16,000 worth of debt. They are living in a 1 bed flat and until he deals with his debts, they will not consider moving the family. Please consider helping this man move forward in his life.
E and C are a lovely couple working with Christians Against Poverty. They have a lot of debt, mostly through the DWP. E was receiving sick pay long term, when the DWP told him he was fit for work, and he was made to pay back £30,000. C also was told she owed thousands after working two more hours on her job, and it was ruled fraudulent. They are working hard to pay back their debts. They have enough to pay for their insolvency fees except the last £100. Can you help them with this last hurdle?
T is 65 years old, he cannot read or write and two years ago had part of his foot amputated due to diabetes. While he was in the hospital, and in the months after, he wasn’t able to work and got into debt. He is now just about managing to live on his benefits but doesn’t have any spare income to clear his debts. His aim is to get debt free so that he can enjoy his retirement. £90 for a Debt Relief Order would mean that the worry of debt would go away and he can concentrate on his health.
E has been in a hostel due to family difficulties and has been finding it hard to manage her money and has got into debt. She came to us seeking advice and we have been helping her to get her debts sorted out. She is looking to the future and is in a better place to be able to look after her children. We feel that a Debt Relief Order would give her the fresh start that she needs.
This man has accrued many debts, especially for Water and Council tax. He receives Universal Credit but struggles to make ends meet. He is now caring for 2 grandchildren as his daughter is not coping. This has put further strain on his finances. He is unable to look for work as he has young children to look after. A gift from Acts 435 donors to cover his debts would be a great help to him and give him space to care for his grandchildren. Thank you.
The applicant was working until a number of serious health and anxiety issues arose. He spent a lot of time helping others, and unfortunately is in debt due to lending to friends, who ran up a large bill on his credit card. Christians Against Poverty (CAP) are working to clear his debt via bankruptcy, and he is also working with his local CAP job club trying to return to work. The bankruptcy would lift a huge weight and help him focus on rebuilding his life.
This man's car has broken down. His wife is heavily pregnant and they will need the car to get to hospital. They can't afford to get the repairs done themselves. Please help this man and his wife?
The client came to us after being placed on furlough over the past few months from his teaching job. Unfortunately, due to lack of savings and reduced income, the client had built up a large amount of arrears since the beginning of lockdown. He has managed to pay some off now he is back to full time work, however other bills are now starting to get on top of him too. This support would enable him to pay the remainder arrears and get back on track.
The client found himself feeling depressed and isolated and due to this his doctor signed him off work for 2 months. Unfortunately because of the sick pay that was given he has been struggling massively with bill payments which in turn has added to the stress.He has been able to find some support from family and friends but is still in need of some financial assistance. With this support he could ensure all his bills are paid which in turn would reduce the stress and anxiety he has felt.
E has 2 school-age children, one of whom is receiving Disability Living Allowance and needs more attention than other children of his age. She is unable to work and depends on benefits. She has mounting debts and has sought help from Citizens Advice. A Debt Relief Order will give her a fresh start and some hope for the future. E has no money for the fee and would be grateful for help with this from Acts 435.
O has spent the majority of the lockdown homeless and living in his car. He has been living in the UK for 11 years, but a complex immigration situation has left him legally resident in the UK, but unable to access Universal Credit or housing support, nor able to prove his right to work. While working hard to resolve this situation, O has spent months relying on friends and local charities for food and other handouts, but this has taken a toll on him. Extra financial support is vitally needed so he can afford to buy food, toiletries and phone credit.
J has come to us for help with his debts. Following the death of his ex he has given up work to take over the care and upbringing of his three children. He has historical debts and is now desperately struggling to manage with every day bills and payments. He has no-one to turn to for help. Getting a Debt Relief Order would get rid of his old debts so he can focus on the present and being the best parent he can be. Thank you.
This active member of the local church has suffered unemployment as a direct result of the Coronavirus situation. He, his spouse and their teenage family are experiencing financial hardship, finding that food bills are prohibitively expensive. Would you please help?
This single young man has fled domestic violence. He is now trying to rebuild his life by starting a part-time college course next week. Unfortunately he does not qualify for a bursary and does not have any money for the fares to and from college. He desperately wants to start a new life and get qualified and meet new people. The college is too far to walk to, so he really needs help as he wants so hard to succeed in life now.
K has come to us for debt advice. In March she was let go from her job and until recently hasn't been able to find work. Thankfully she is now working but the debts she incurred during this six month period are beyond managing, plus she has debts from a previous abusive relationship which are causing her much anxiety. She is so worried - she is struggling to work effectively. Getting a Debt Relief Order would take that anxiety away allowing a fresh start and the ability to enjoy working again. Please can you help?
Our client is a lone parent with a child still at school and struggling to make ends meet. She has a part time job and relies on Universal Credit but with a number of bills due for payment. She is unable to meet the costs on her present income. With the ongoing difficulties around Covid-19 her ability to keep regular hours has been difficult, and delays in benefit adjustments have caused her to fall behind. This has placed enormous strain on the household.
The 16-year-old daughter of one of our Christians Against Poverty clients is starting college and needs a new laptop. The family are working with us to repay their debts but have no available 'spare' income to fund a replacement laptop - even a second-hand one - and they are also unable to take out any loans at the moment, so any donation will be greatly appreciated.
K had an abusive partner and is now a single Mum with 4 young children. She receives support from social services and Citizens Advice but struggles to manage her finances and worries constantly about everything around her. Citizens Advice believe that she needs a Debt Relief Order to sort out her finances, and this should also help her state of mind. K would really appreciate help from Acts 435 with the fee.
This client is need of a Debt Relief Order. He has struggled to maintain continuous employment and is experiencing mental health difficulties following a bereavement. This request would pay for the application fee. Any help you could give him would be really appreciated.
S was working as a bar manager before Covid-19, he was laid off and even though he qualified for benefits he quickly got into debt. He doesn't have any savings and the drop in income has affected his ability to pay his outgoings. He has been advised by Citizens Advice to apply for a Debt Relief Order (DRO) but the admin fee is £90 which he cannot afford. Your help with this will allow him to make a fresh start and pay an agreed amount to his creditors. Please help S have a fresh start - thank you.
This young couple with three children have suffered from two of their parents/grandparents dying. Just before the Covid-19 lockdown, the husband had a breakdown and lost his job. The wife then had a breakdown and was admitted into hospital. They have ended up in debt with housing and they are in great need of help. Please can we help to take the pressure off?
This young couple with three children have suffered from two of their parents/grandparents dying. Just before the Covid-19 lockdown, the husband had a breakdown and lost his job. The wife then had a breakdown and was admitted into hospital. They have ended up in debt with housing and they are in great need of help with food. Please can we help to take the pressure off?
D has unaffordable debts that he cannot pay and it's causing his mental health to decline. He ran up the debts when he had a long term partner and they went into debt to buy things for their home. Sadly the relationship broke down and D moved out. As the debts were in his name he has tried to continue paying them but realistically he cannot afford to do this with just his benefits. Please help him to pay the £90 admin fee for a Debt Relief Order so he can make a fresh start with his finances. Thank you.
R has come to us for money advice. She's a single mum of two and because of depression following a family loss she's stuck her head in the sand and is now drowning in debt she has no hope of paying. Because of her illness she's unable to work but wants to provide a secure home for her children. She has no-one else to ask for help.
Safe Families are supporting a single mum in Hartlepool with two children. Their washing machine has broken down and is old and not repairable. Mum is struggling to keep on top of the laundry. Would it be possible please to bless this family with a new machine? Thank you so much.
G has poor mental health and anxiety. This has been made worse by the Covid-19 situation. She hardly goes out and is struggling with her debts. She came to Christians Against Poverty a few months ago and is so thankful for our debt help. She always loves to be prayed for over the phone and is beginning to see light at the end of the tunnel. Your help could mean that in a few months G is debt free and able to move on from her past. Thank you.
R works 2 healthcare jobs on zero-hour contracts. During the Coronavirus pandemic she's only been allowed to work one job due to the risk of cross-contamination. In addition to this, for a few weeks she wasn't able to work at all as she had to care for her son who was ill, and so she's got very behind with her rent. Our church has been supporting her with food parcels during lockdown, and she's working again now however does not earn enough to be able to pay back the rent she owes, please help!
A single lady who is struggling on benefits has had an eye test and has been told if she doesn't get glasses they will stop her from driving. She has to take her son to school every day because it is not in the area she now lives in. Her glasses are costing £164 and she is struggling to pay this along with other bills. She has a young child to support and is looking for help in covering the cost of the glasses so that she can carry on driving.
K. is living on a low income. She's in recovery from addiction and has been sober for 2 years. She volunteers to support others in recovery and has very little money left each week after her bills and transport costs are covered. In recent months she has begun to have care of her children again at weekends, but she does not have the resources to be able to afford the food and transport costs that are necessary for these visits. She would be so grateful for your help.
A is a single Mum with 3 young children, 2 of whom have serious health problems. Their father pays no maintenance, being mostly unemployed, leaving A to manage on benefits. A would like to work once the children are all at school, but in the meantime she is struggling financially and piling up debts. A Debt Relief Order is the only way to give her a fresh start, and she would be very grateful for a kind donation for the fee.
R. suffers from debilitating pain due to severe osteoarthritis. After a recent operation in hospital a scan revealed she has nine fractures in her spine. Her pain is in her back and femur bones. She is already on several painkillers but her doctor advised her to obtain one of these devices that the NHS no longer provides. Her and her husband's financial position is poor because of two recent floodings leaving them in serious debt. They are Christians Against Poverty clients.
Mr N is struggling financially and has more going out than coming in due to large debts which he is looking at getting some independent debt advice for. He has been able to get a cooker and washing machine but unable to afford to get them connected safely. He was a care leaver and when he moved into his own property from previous accommodation , he had to start again with all his furniture and white goods. He was unable to take them with him. Any help would be happily received.
Due to Covid J had to give up her job of 18 years as her partner has Huntington’s disease. Whilst out of work for six months they went into debt with rent and electric. A rent repayment plan is now in place, so far they have been unsuccessfully arranging a repayment plan for electric and other debts. J now works from home for a charity. She has suffered with depression and has fibromyalgia. Please can you help this family cancel their debts.