Mr Leach came to us on 26 June 2008. He owed over £11,000 and was in receipt of 3 pensions but was really struggling as his wife was unable to work due to her deteriorating mental state.

Mr Leach had battled to look after his wife for the past 4 years and came to us as he was beginning to experience real problems paying his creditors. At the time, we calculated his disposable income to be £300 pm.

In the past 12 months his wife's condition has deteriorated rapidly as she suffers from progressive dementia and needs constant care. He told of being afraid to leave her alone for more than a few minutes as several times he had gone shopping and come back to find her wandering along the road in her nightdress and not knowing where she lived. He finally had to have her admitted to a care home and now has to travel backwards and forwards to visit her.

Since he joined us in June 08, he has never missed a payment but lately, because of the extra expenses incurred in travel and having to pay towards his council tax (due to his wife going into the home and losing her disability rebate), he has been really struggling. Once again, we have managed to reduce his payments to a much more manageable £168 pm and he is very happy to continue with his programme.

It was very moving and a great privilege, to both listen to his problems and to help him to find at least a monetary solution to his struggle.

He thanked us for our ongoing support and sounded very appreciative of our help and understanding.