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The client is in their 20s, single with no dependants. He has recently lost his job and is now in receipt of Universal Credit while looking for another job.

A client approached Advice NI for debt advice as they had £37.000 in unsecured debt.

A client rang Advice NI’s helpline in March 2022. The client has a rare neuroimmune disorder but she had exhausted her statutory sick pay period.

This lady contacted the Advice NI Debt Service with mortgage arrears of around £1,500. The client worked part-time but her husband died suddenly last year and her son sustained a brain injury at around the same time last year. 

A construction business owner considering the company’s viability due to the financial impact of Covid contacted Advice NI’s Business Debt helpline for guidance. 

A client contacted Advice NI after receiving a letter from Child Benefit advising they had an overpayment of £5000.

She was told she did not have the right to reside in Northern Ireland and therefore didn’t have the right to claim Universal Credit.

A client approached our Debt Service for help as they were struggling to deal with their debt repayments due to suffering from post-traumatic stress disorder, depression and anxiety.

The client called our Debt Service. Although he had no priority debts, the client was concerned about an unmanageable amount of non-priority debt.

A client contacted the Advice NI Debt Service seeking advice on how to deal with his spiralling debt. 

A business owner whose finances were catastrophically hit last year has praised the expert advice received from the Business Debt Service within Advice NI during a “dark time in his life”.

This client was originally referred by the Macmillan Benefits Service to the Advice NI Debt Service. The client was a young mother of two young children with substantial debt. This included a Housing Benefit overpayment of over £20k and Choice Housing arrears of £5k.

A debt adviser recently had a Debt Relief Order case that initially seemed straightforward as the client met all the relevant criteria for this option.

However, the client disclosed that she had recently returned from Canada where she had resided for more than two years.

A client recently contacted Advice NI’s Money & Debt helpline. In this case he was a self-employed taxi driver. Due to Covid restriction he could not work for several months and his income had been greatly reduced.

This client reached out to Advice NI’s Debt Service by email. The client lives with his partner with no dependents and no assets.

The client was a single, self-employed cleaner earning roughly £8,300 per year.

This client, 46, worked in the fitness & health industry. She was single with no dependents and lived in private rented accommodation. 

Advice NI’s Debt service recently helped a client who had been pursued by a debt collection company for a number of years in respect of a mortgage shortfall balance, which was just shy of £100,000.

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.