Issues & Background: Ms. D, a single parent and social tenant, approached us in January facing eviction in February due to over £15,000 in rent arrears. She also had other debts, including council tax, energy, and water arrears. Ms. D stopped working due to limited job availability, impacting her health and financial management. Additionally, she could not access certain benefits due to ill health and lack of cooperation from her Housing Association regarding universal credit and rent costs, worsening her debt situation. Ms. D sought help to prevent homelessness and resolve her debts.
Support Provided: Upon further exploration, Ms. D’s total debt exceeded £26,000. She faced eviction, enforcement action for council tax from the local authority, and the threat of disconnection of energy supplies.
Outcomes: We provided Ms. D with comprehensive debt advice and took emergency action by entering her into the Debt Respite Scheme to delay eviction and suspend enforcement. This allowed her to apply for Universal Credit and Council Tax Reduction, resulting in an annual award of approximately £23,500. The Universal Credit entitlement also qualified her for legal aid for housing advice and court representation.
Our intervention prevented her eviction and homelessness, suspended enforcement action, and maximized her household income. We also encouraged her to seek medical advice, potentially making her eligible for Personal Independent Payment. Ms. D is on her way to becoming debt-free and will benefit from the waiver of the £90 DRO fee as announced in the spring budget 2024, minimizing the adverse impact on her health.