This young woman came to Citizens Advice for help with financial difficulties that have been caused by her long-term medical condition preventing her from working, for which she receives Personal Independence Payment. She helps care for her partner's young autistic son when she can. She has no surplus income to offer her creditors and so wants to apply for a Debt Relief Order. If successful, she and her partner can start afresh.
This gentleman has been working with Citizens Advice in relation to his debts. He has been unemployed for more than 18 months, but has recently passed his 18th Edition Course. The final steps to opening up a lot of employment opportunities are to pass the the ECS Health, Safety and Environmental assessment, and gain his ECS card (Electrotechnical Certification Scheme card). He has no surplus income so cannot afford the fees. But, if he were to gain his ECS card, it would open up life changing opportunities, and enable him to move forward.
D has been clean for a year, but the fines still coming out of his benefits are making daily living costs very difficult, and the addiction medication he is on has caused him to gain a lot of weight. He is now ready to look for employment again but has no presentable clothes that fit, and his shoes have holes in. Please could you help provide him with some new shoes and items of clothing? Thank you.
Our client has approached Citizens Advice for help with her finances. She has a large family abroad who look to her for financial support. She worked as a care assistant for many years and has always managed financially. She took out a large bank loan in 2018, but at the end of last year she was forced to retire after reaching state pension age. She now lives in sheltered accommodation and with just pension income, she will never be in a position to pay back the loan. A DRO is her only option.