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Emily was a pensioner living by herself. After seeing an advert on TV, she decided to change her utility provider thinking that she'll save money. Emily received and paid her final bill. Over the next five months, the former utility company kept on sending her invoices. She tried calling but was always put on hold or disconnected. Soon after, she received a letter from the debt collector agency, which threatened her with legal action. When she got in touch, she was terrified. We requested a meter reading, reported the company to an Ombudsman and the Trading Standards too. Emily received a refund of £280, an apology letter and was happy again, enjoying her retirement. We were all over the moon that we helped this lovely and kind lady.

Janet's demanding career left a little time for her personal life. Without warning, her boyfriend announced that he wanted to move out. Luckily, she was financially secure to cover her mortgage. One summer evening, she found the lump on her breast. First time in her life, she was alone, scared and claiming a sickness benefit. She struggled to maintain mortgage payments and used all her savings. The local Estate Agent told her that she'd need to sell her home because she would not qualify for housing benefits. When she got in touch, we explained that she could rent privately and claim housing benefits. At the same time, her ex-boyfriend could move back into her home to maintain the mortgage payments. She also claimed Personal Independence Payment (PIP) while undergoing treatment. The extra money took away a lot of anxiety. Later she told us that she is fighting fit and made her rented accommodation her sanctuary.

Mary was happily married with one young son. Her husband worked hard to provide for the family. She took care of the household and their child. One cold January morning, the family’s life changed in one split second. Her husband suffered a heart attack and died at work, suddenly and without warning. They were grief-struck, with no income, unable to pay the rent, had limited savings, not even enough to cover the funeral costs. When she contacted us, we explained what help is available, starting with the funeral expenses, rent costs, and other benefits. We could hear in her voice what it meant to her. It was a profound moment for all of us. Mary still lives in the same flat, working part-time, and her son is doing well in a local primary school.