WHAT WE DO

WHAT WE DO

During 2010/11, our Volunteer Advisers made 8,771 contacts with clients or third parties on their behalf and dealt with 10,498 issues.

  • Faversham Bureau provided 3,731 client or third party contacts and dealt with 3,569 issues
  • Sheppey Bureau provided 1,890 client or  third party contacts and dealt with 2,799 issues
  • Sittingbourne Bureau provided 3,150 client or third party contacts and dealt with 4,130 issues.

68% of the contacts were personal contacts within the Bureau and a further 10% were client contacts by telephone.

Overall, Welfare Benefits (30%), Debt (27%), Employment issues (10%), Housing matters (9%) and relationship issues (7%) were the main enquiry areas. The chart below shows these categories broken down by Bureau.

Issues

Benefits

Overall, Welfare Benefits were our largest enquiry area and accounted for 30% of all enquiries dealt with by our volunteers. Problems with Income Support, Incapacity Benefit and Disability Living Allowance accounted for a large proportion of benefit enquiries. We also identified benefits clients who were not claiming and helped clients to complete the necessary forms. If a client needed casework, rather than advice or help that could be given on the day, the client was often referred to one of the Specialist Caseworkers.

WHY DON'T PEOPLE CLAIM BENEFITS?

  • They don’t know about the benefits, this is particularly true of disability benefits.
  • Claim forms are complicated. This is an enormous hurdle for all our clients with literacy problems.
  • New claims affect other benefits and problems. For example, those experienced by many with tax credit overpayments deter clients from making new claims.
  • Benefits are seen as a charity handout and not a rightful entitlement.
  • They’ve been turned down before and are reluctant to submit another claim.

We also provided help with form-filling for clients who are unable to deal with the demanding official forms required in order to apply for welfare benefits. The sensitive help available at the CAB enabled many clients to successfully claim Disability Living Allowance, Income Support/Incapacity Benefit, Attendance Allowance, Housing/Council Tax Benefits and a range of other benefits.

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Debt

Debt was our second largest enquiry area accounting for 27% of all enquiries dealt with by volunteers.

The economic downturn leading to an increase in loss of employment and shorter working hours has led us to help an increasing number of clients who were working or who lived in mortgaged properties and were finding it impossible to manage these higher costs combined with credit card and other loan repayments.

Clients reliant on benefits are also struggling to meet higher heating and food costs and more and are often accumulating rent and council tax arrears as a result and require help budgeting and prioritising repayments.

TOP TIPS FOR DEALING WITH DEBT

  • Sort out debts into priority and secondary debts. Priority debts are mortgage/rent and Council Tax. You must pay these debts if you are to keep your home or avoid going to jail.
  • Secondary debts are what you owe on your credit card or to the bank. Work out how much you can afford to pay these creditors after you have sorted out what you need to pay your priority debts.
  • Make realistic offers to creditors and then make those payments every month.
  • Be wary of consolidating your debts. Get advice and don’t put your home unnecessarily at risk.

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Employment

In 2010/11 10% of all enquiries dealt with by volunteers related to employment issues. The main enquiry areas were pay, terms of employment and dismissal. The CAB provided support to clients by helping to write letters to employers and by advising on contractual and statutory obligations.

Two volunteer advisors were able to provide considerable help and support to clients who initiated Employment Tribunal proceedings. Most cases involved redundancy and/or dismissal issues or involve unlawful deductions from wages for notice and holiday pay.

CAB HELPS JULIE GET JUSTICE

The Problem
Julie had been employed by the same company for over 30 years but had been made redundant as the effects of the economic downturn took effect on her company. Julie thought that she had been made redundant without proper consultation and the selection criteria for redundancy was flawed. Julie approached our Faversham Bureau for help.

What the CAB did
Our employment caseworker reviewed the case papers and discussed the case with Julie. He reached the opinion that the redundancy procedure adopted by Julie’s company was unlawful and that the dismissal was statutorily unfair and prepared a case for Julie to take to Tribunal. The Tribunal found in Julie’s favour and awarded her over £3,000.

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Housing

Housing, particularly issues around actual and threatened homelessness, accounted for 9% of all enquiries to volunteer advisors. Many of the enquiries were referred to our Housing Advisor and LSC Housing Caseworker for consideration, further advice and casework as appropriate.

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Legal and Relationship

These two categories of enquiry have been combined because of the overlap between them, amounting to 13% of all enquiries. The main enquiry areas were issues about divorce and separation and legal proceedings following the break-up of a relationship and the need for a financial settlement.

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Other Enquiry Areas

Other enqiries dealt with tax, immigration and community care, health, utilities and education and a wide range of other issues. These enquiries represent an important aspect of CAB work and enable clients key to access other services and specialist support.

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