D has been referred to us by an employment support charity who are working with him to return him to full time employment. D has recently come out of rehab (he is a recovering alcoholic) and is 'dry' at the moment. Unfortunately he has very large debts (over £40,000), with no hope of ever being able to repay them but he is constantly being hounded for payment by the banks he owes money to. D needs some hope for 2020 in the form of bankruptcy, it will be his salvation.
W was working but was on a zero hours contract, his hours were constantly changing and his Universal Credit was always in arrears, so he had no money for weeks. Whenever he did have some money, he had no ability to budget so he has quickly fallen into debt. He has been advised that a Debt Relief Order is needed to allow him to work with his creditor for a solution. Can you help him with £90 for the insolvency court fee?
S was referred to Romero from Citizen Advice after speaking to one of their debt advisers. S had to leave work due to mental health problems and applied for Universal Credit but due to the 6 week assessment for benefit fell behind with utility bills and has now fallen into debt. The worry of this is adding to his anxiety and he is unable to sleep. To help him get back on track he needs to apply for £90 Debt Relief Order so he can rebuild his life and reduce his stress levels.
This client is a single mum with 5 children. One child has significant behavioural issues, in receipt of Disability Living Allowance and attends a residential school. The woman has asthma, anxiety and depression and has suffered domestic abuse in the past. She is now seeking help from the mental health team, Independent Domestic Abuse Services (IDAS), and a family support worker. She is unemployed and relies on welfare benefits. Her support worker provides financial capability support as her mental health has caused her debt issues. She has no realistic chance to clear her debts so she has applied for a Debt Relief Order.
L has moved into a new council house but it is completely empty. The carpet has been pulled up and the walls needs painting. L has a disability and had to pay someone to paint the house and also to lay new carpet and tiles. She is now in debt and the people she borrowed from are demanding their money back. She only receives £317 in Universal Credit every month and is still waiting to hear back about her disability benefits. She can't afford to pay this and is very worried. Any help towards this cost is greatly appreciated.
This mum and her daughter found that their bed had broken when moving house. They are both claiming benefits and can't afford to buy a new bed. They are currently sleeping on a mattress on the floor. Can you help us?
This client and her daughter recently moved home, and in moving found that their bed had broken. They cannot afford to replace their bed, so they are currently sleeping on mattresses on the floor. Can you help them to replace their bed so that they can sleep well at night?
I’m a support worker and my client, D, has a £90 overdraft which, due to his low wages from Universal Credit he has not been able to pay off for a long while now. He has had to keep taking the same £90 out again each month when he is paid to afford his needs. Paying this overdraft off would make a huge difference for him as his financial situation causes him a lot of stress and affects his mental health negatively.
We are a mental health charity working with Z. She suffers from severe depression and anxiety. Z has very large debts, much has been accrued because of an abusive previous relationship (both physical and financial abuse). She tells us with regard to her debt problems: I feel completely overwhelmed which is having a severe effect on my health and wellbeing. The only viable solution is bankruptcy. We have raised some of the bankruptcy fee from other sources but need a final push to get us to £680.
S had been running a successful business but due to ill health it has failed. He had business debts secured against his family home and as a result his home has been repossessed. He is trying to rebuild his life and is working with a local homelessness charity as well as ourselves (a debt charity) to try and achieve a fresh start. We have already secured a large chunk of the bankruptcy and with your help hope to have enough to complete S's application.
E used to be homeless and a gambler. Amazingly he is now settled in his own flat and has completely quit gambling. He has done very well and is looking for work and is a different person. He has some historical debt from when he was in a bad place and being on basic Universal Credit income has nothing left to make payments on these debts. We want to help give him a fresh start with a Debt Relief Order and see his debt wiped off and see him free of his past once and for all. Can you help?
K is an asylum seeker living in Leeds. He has to walk 4 miles to get to his English course every week. He is living on £37 a week as an asylum seeker and cannot afford the bus fare. K is asking for £60 to pay for his bus fare for the rest of his English course. He is really determined to complete his course and keep on studying so he is ready for work when he eventually gets his refugee status.
This client is a single mum to two children and due to deafness she is unable to work and relies on benefits to pay bills and provide for her children. Due to her son being bullied at school he is now moving to a different secondary school and needs to have a different uniform which she cannot afford. She would like to apply to Acts 435 for help to enable her to buy the uniform he needs so that he can start the his new school without the worry that he does not have the correct uniform.
As a single mum working part time, this client faces a daily challenge of trying to keep out of debt and provide a home for her two daughters. A's daughter has the opportunity to attend a training and development programme in America but needs some help towards travel costs. The client has saved some money towards travel and also done some local fundraising but is still a little short and asked if Acts 435 could help. She stated that this opportunity may help her daughter gain future employment.
L is seeking help from citizens' advice for help with her debts as she is really struggling. They have advised her to get a Debt Relief Order. Her and her partner are both on benefits and have two children with special needs to care for and with no spare income to put towards her debts she is feeling really down. Could you help her with a fresh start?
C has lived in her present flat for about a year. She was working until last Summer, but became pregnant and had to leave her job. She struggles with debt, but with the help of friends and family has managed to get most of the things she needs for her flat. However, she has never been able to afford a vacuum cleaner and has been managing with a dustpan and brush. With the baby due shortly she would really appreciate help in getting a vacuum cleaner so she can get her carpets properly clean.