For the reporting period, 1st April 2013 to 31st March 2014 DANI: Case Study Advised and supported over
5,200 5,700
Dealt with over clients Dealt with nearly £62.3million Had cases 19,000 1,070 visits to the website
people accessed our online budgeting tool
Mortgage debt is consistently the highest debt amount. The service has also seen an increase in the amount of mortgage shortfall debt. Credit card remains the top debt in terms of the number of agreements.
DANI works in partnership with Housing Rights Service to protect client’s homes regardless of whether they are a homeowner or a tenant. During this year there were 129 clients represented at both the High and County Court in relation to mortgage and rent arrears.
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ni of debt Covering nearly 12,800 debts
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. Her debt totalled over £120,000 and benefits were her only income. After seeking advice, the client decided to apply for bankruptcy. The adviser helped her complete the forms and represented her in court. The client was declared bankrupt enabling her to make a fresh start.
“Before I saw the adviser I couldn’t visualise a way out of my situation. I felt I had no one to turn to until a friend advised me to speak to Debt Action NI. The adviser explained the different options for my situation. He also assisted me with filling out the appropriate forms and has supported me through this ordeal. I can’t praise the adviser enough for the support leading up to the court appearance and after court appearance.”
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