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.
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 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?
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.
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.