Stories

  • Business Debtline

    ​A farmer who ran into difficulty repaying a secured business overdraft sought advice from Business Debtline

    A farmer ran into difficulties with his bank when he was unable to maintain the agreed contractual repayments on a business overdraft of £55,000 which had been secured on his home.
  • ​Tax & Benefits Service

    ​Income tax debt caused by a self-assessment error

    A client came to our Tax & Benefits service asking for assistance with an Income Tax debt of approximately £4,000. The client had a long history of mental health issues and had experienced a very unsettled period in her life due to homelessness. Once the client obtained a fixed abode, she started to receive letters demanding payment of the debt but had no understanding of how the debt had arisen.
  • ​East Belfast Independent Advice Centre

    ​Appealing an Incapacity Benefit / Income Support (IB/IS) reassessment

    The client was a 58 year old woman with long term mental and physical health problems including chronic anxiety, panic attacks, chronic obstructive pulmonary disease (COPD), and chronic low back pain. She had been in receipt of Incapacity Benefit / Income Support (IB/IS) for many years. On IB/IS reassessment for Employment & Support Allowance (ESA) she was awarded zero points and found not to have limited capability for work.
  • ​Dove House Advice Services

    ​An advice service was able to help a family improve the quality of their lives

    A client who was a single parent with a number of children sought help from Dove House Advice Services. The family needed immediate intervention after the marriage broke down due to alcohol related issues and difficulties coping with a range of debt problems.
  • Adviser

    ​Tax & Benefits Service

    ​Undisclosed partners and tax credits

    A client came to see an advisor at an outreach venue. The client had received a letter from HMRC stating that they believed that a potential undisclosed partner was living at her address and therefore had terminated her single claim award. The client had been separated from her husband for several years; however he still used her address.
  • Business Debt

    Business Debt

    ​A sole trader who ran into difficulties with HMRC

    A sole trader who had an engineering business ran into difficulties with HMRC when he received notice that he had liabilities totalling over £30,000 due for unpaid PAYE, VAT and self-assessment.
  • The Vine Centre

    An adviser at The Vine Centre in Belfast referred a client to the Belfast Citywide Tribunal Service (BCTS) whose son (age 15) was disallowed Disability Living Allowance.

    Belfast Citywide Tribunal Service represents clients who wish to appeal Social Security Agency (SSA) decisions on benefits, including Employment Support Allowance, Disability Living Allowance, Personal Independent Payment and Universal Credit. It enables clients to challenge decisions, assisting them through the process and representing them in both an Appeal and Tribunal setting.
  • Street Scene

    Omagh Independent Advice Services

    ​An adviser conducted a benefits check and successfully appealed an Attendance Allowance

    An adviser conducted a benefit entitlement check for an 80 year old woman suffering from angina, chronic obstructive pulmonary disease, osteoarthritis, depression and had a propensity to fall. An application was made for Attendance Allowance.
  • Budgeting image

    A Change in Family Circumstances

    ​"Before I saw the adviser I couldn’t visualise a way out of my situation"

    A client was recently separated from her abusive husband and was unaware that he had stopped paying their joint mortgage and secured loan. The lender was forcing repossession and as the client could not afford repayments she had to find alternative accommodation.
  • Street scene

    Benefits withdrawals and Food Banks

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

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