C has been struggling financially since her youngest son moved to be with his father and her benefits changed. Her cooker broke before Christmas and she could not afford to replace it. She has been cooking meals for her and her 2 children on a mini oven with only two rings and is struggling to produce healthy meals for the family. Any help to buy a second hand cooker would be greatly appreciated.
This lady is struggling with debt. When her pension is paid she immediately has to pay out on an overdraft and a personal loan, which leaves her with very little for food and bills. If she could have £100 this would be such a help towards balancing her finances whilst receiving support from her church's debt advice service. She is so embarrassed at having to ask for help but she is in a desperate situation.
This middle-aged gentleman with long term sickness is not able to work or live on the benefits he receives. He accesses a foodbank for food and and his only means of travel is his bicycle as he is not able to drive. Due to his health problems, he is anxious about using public transport and is very reliant on his bicycle, which needs a service and requires a lot of repairs. He has now been referred to a benefits adviser as he may be eligible for more benefits than he is currently receiving.
S is a recovering addict who is struggling massively with the burden of his debts (around £11,000). He has recently attempted suicide because he is struggling to cope with his debt problems. He loses 30% of his Universal Credit each month to forced debt repayments. This is forcing him to use foodbanks - the £30 a week he loses is what he should be spending on food. A Debt Relief Order would stop these deductions and allow S to concentrate on his mental health and staying clean.
J has twice been sectioned because of mental health problems. He suffers from depression and anxiety, and has suicidal thoughts. The same mental health problems have led to him running up debts, with rent not paid and the prospect of eviction. He needs help to pay off the debt, avoid eviction, and to remain qualified for a permanent council property.
P is a working man but has a zero hours contract, and as parts of his factory have had to intermittently close due to Covid-19 and isolation requirements, many weeks he has ended up with no work - whereas sometimes he can get 10 hours a day. The lack of consistency is very hard and he is embarrassed to keep accepting help from family, but if he is to continue to be able to have his 7 year old daughter at weekends, he has no choice. Currently his council tax is in arrears, which is an additional stress.
This client was referred to us after finding himself struggling to pay off his bills and living expenses. He has recently fallen on hard times after being sick for the past few weeks, unable to leave his house. This has reduced his income and also meant that his car is now due for an MOT and service. He currently does not have enough to pay for this, however having his car parked outside runs the risk of him receiving a fine, it also means he cannot travel for work.
This client has recently found themselves in financial hardship after being made redundant and waiting 4 weeks to be put onto benefits. This lack of income has lead to bills not being paid on time and interest being added to some of his debts. This has brought a lot of stress to the client and led to sleepless nights as the client is on a very low income, they are not sure how they can pay off the debt. This support would give the client some breathing space and help them get back on track,
This client was referred to us after their social worker found they where struggling to pay for basic essentials like food and energy in their flat. They had recently moved into their new accommodation after being homeless and living in a hostel for nearly 1 year. Unfortunately due to the pressures of managing their own bills and finances everything became too much and the client was unable to keep on track. This lead to not eating just to pay bills. This help would enable them to get back on track.
S is a single lady on benefits having lost her job in 2018, and she has struggled to keep up with bills since then. She now has several deductions from her Universal Credit which makes it even harder to budget. Most of those deductions would stop as a result of a Debt Relief Order, making it easier for her to budget in the future. Thank you for any help you can offer.
K is a single mum to 3 children, the youngest of whom is one year old. Her only income is Universal Credit but this is limited as the benefits cap is applied and she is really struggling to make ends meet. She has difficulties keeping her gas and electric metres in credit and the Council are going to help her with this but this will take some time to arrange. In the meantime she really needs some help with having enough food for her children. Any support you can offer will be so important to her.
R has recently lost her husband to suicide. She is on compassionate leave from her part time job and after paying for her husband's funeral she is becoming overwhelmed with debts. We are supporting her with a benefits check but she needs immediate support with her utilities if you can help.
Mrs D has approached Citizens Advice for help with her debts. Her husband lost all of his income when Coronavirus struck, and was not eligible for any of the government help schemes. She has less income due to furlough. Her existing debts have become unmanageable, and she is fearful of enforcement officers visiting. A Debt Relief Order would give Mrs D a fresh start, and she and her husband could manage on lower income without old debts holding her back.
R is classed as clinically vulnerable as she has a number of physical and mental health issues including anxiety and depression. Her condition has deteriorated over the recent months. She was forced to leave her job 6 months ago because of her health problems and is now on Universal Credit. She lives with her partner but he has a number of debts and they are struggling to cope financially. They desperately need support.
D is a Christians Against Poverty client who has been struggling with debt for a number of years. When friends reached out to Christians Against Poverty to see if we could help him he had no hope or confidence that anything could change. A Debt Relief Order will help lift the burden of debt and allow D to focus on addressing some of the issues that have been neglected in his life. The fees for a Debt Relief Order are £90 and will allow us to help D become debt-free quickly.
This mum of two young children has had a very traumatic time. She had to flee an abusive relationship and is in debt. She has been rehoused far from her family and friends but is relieved to be in a safe and secure home. However the second hand washing machine she was given has broken and she is really struggling to wash all the clothes and bedding by hand; in particular her 3 year old needs lots of changes of clothes! She cannot afford to buy a new machine and would be so grateful for your help.
S is a 31 year old single mum to four children. She is struggling to support her family on her Universal Credit award. Her ex has also stopped paying Child Maintenance pushing her further into poverty. S has a number of debts and, on receiving advice from a debt specialist, has been recommended for a Debt Relief Order. Sadly, S is unable to afford the fee for this. Please donate so she can afford this and have a fresh start, free of debt and focus on caring for her family. Thank you.
S has suffered the effects of domestic violence. During this time her debts have built up and she has no way of paying them. This has only led to further anxiety. Her support worker is applying for a Debt Relief Order but we just need some help finding the fee. We would be so grateful for any help.
C was the principal carer for her mother until she died two years ago, all of C's savings were used to pay for the burial. C had a five week delay before getting her first Universal Credit payment and since then her debts have accumulated. She had slept on a mattress on the floor for many years but took a budget loan to buy a bed, she has rent and mobile phone arrears. Citizens Advice are helping her to manage her debts and this support from Acts 435 will help her to get ahead on some of her repayments.
A single mum who has sadly lost her job because of Covid-19, is working with a Christians Against Poverty worker to support her finances. She needs £90 for the fees of a Debt Relief Order to move forward. This is a significant stumbling block to moving forward which she is so desperate to do.
M and her husband are both struggling financially. They both have learning difficulties and her husband is unable to read or write. In addition to this, he has some physical health issues too. They are being assisted by the Debt team at their local Citizens Advice but are struggling to afford their ongoing bills on a very limited income. Please donate so we can provide them with a grocery food voucher so they can afford to live while they sort out their finances. Thank you.
Mr A approached Citizens Advice for help with his finances when he lost his job due to the Coronavirus pandemic, early last year. He has relied on foodbanks and crisis funding for many months. He has gone door to door locally, and managed to finally find part-time work. If he could clear his old debts, he would be able to look forward, with a fresh start.
S is one of our foodbank clients who came in today saying she purchased a second hand buggy through Facebook, and when she started to use it there was a big crack in it and it can't be used. She keeps trying to contact the seller, but the seller has blocked her now. S is on Universal Credit and can't have an advance on her payments because she has already used it. S has three children aged 1, 4 and 11, and is looking for your generosity to purchase a new buggy, as she is having to carry her toddler everywhere at the minute.
K moved from a private property to a local authority one as it was deemed uninhabitable for her and her 3 small children. She has an outstanding bill for gas and has been told she must clear it before she can leave her current supplier to get a better tariff. She has been hounded by the supplier through phone calls, emails and texts and a complaint has been made but it has affected her mental health and combined with bad housing she needs a fresh start in all respects. Help would be appreciated.
C has 5 daughters and is a single parent. She has been unable to clear debts accrued by her former husband which are all in her name. She has been supported by Christians Against Poverty and a budget has been created which identified a Debt Relief Order was her recommended option for going debt-free. She has been suffering from anxiety and depression due to the debt situation and cannot secure the fee required. This money will ensure she goes debt-free very quickly. Thank you.
J was referred to us from a local rehousing charity. J is in a lot of debt which she has no hope of paying off. Getting a Debt Relief Order is her only hope of a fresh start which she desperately needs. J's mum's passing and the ending of a 30 year relationship caused massive anxiety and J was put on sick leave. She is now sofa surfing at a friend's. She knows she cannot live like this and with our help is applying for a Debt Relief Order. It will take J months to save the fee, please can you help?
D needs £150 for white goods. She lives in Morecambe with her children and, until recently, with her partner. However her partner recently became violent after several years of coercive behaviour and started to smash up the house, causing extensive damage. He has been charged by the police and will shortly go to court. D is left without a working cooker or fridge/freezer and some damaged furniture. With £150 we can get her a cooker or fridge/freezer. Can you help her with the £150 needed?
A split from his partner 12 months ago and has been a single parent to his 2 children ever since. The break-up left him with mental health problems and he has been off work for much of the past year, unable to cope with his job. He receives sick pay but is struggling to make ends meet. The recent cold weather and increased energy costs have left him with no money for food and electricity for the next couple of weeks and he doesn’t know where else to turn. He would really appreciate help to cover these costs.
C has mental health problems and lived with her boyfriend until he became abusive and violent towards her and she asked him to leave. He has now disappeared and taken her purse, all her money and her phone, along with other items from her flat. The matter is in the hands of the police, but until she receives her next benefits payment in 2 weeks time she has no money for food, gas and electricity. Her pans were also taken so she has nothing to heat food in. She would be very grateful for help to replace her pans cover her food and energy costs.
A single mother with three young children is struggling to make ends meet. Due to multiple health complications, she is unable to work. In order to manage some of her outgoings, she switched to a pre-payment meter for gas & electricity and when money is tight, she does not top up her key and so goes without light, heating etc. She still has some debt and despite accessing a foodbank, does not have sufficient money to keep the meters topped up
E contacted us in a very anxious state. She split up with her partner a few days ago and he left, taking her money and some of her things with him. She suffers badly with depression and anxiety, and struggles to leave the house. She has 3 children who live mostly with her sister but come to stay at weekends. E has no gas and electric and little food left. It Is over a week to her next benefits payment and she is afraid she will not be able to see the children if she has no food or heating. She would really appreciate your help.