Kelly's Story...

"My journey with Noah's Ark began in February 2019 when I finally plucked up the courage to address my issues around money and debt.

When I was younger my finances got out of control and I started getting into debt with things like mobile phones, catalogues, rent and worst of all council tax: I was just rubbish with money. I've always worked but things got worse when I moved on to Universal Credit and they overpaid me. They started to take money out of my benefits (nearly £200 a month) at the same as council tax started taking money (13% or £100 p/m) from my wages.

Losing £300 per month from my income just made my situation worse, I was stressed all the time, very low and anxious. I stopped opening my mail, answering the phone and I was dreading a knock on the door from the council's bailiffs. I couldn't see a way out and I ended up having to take a month off work because it was making me so ill.

A friend told me about Noah's Ark and I contacted them. I spoke with Andrew and he explained what they could do to help me work things out. Andrew made me feel that he understood and was on my side. He helped me through the debt advice process and arranged something for me called a Debt Relief Order (DRO) which I hadn't heard of even though I had engaged previously with another debt advice charity.

The DRO brought instant relief to me and it felt like a huge weight had been lifted from my shoulders. I was finally debt and stress free and could concentrate on my life and my young daughter. I told my family and friends all about Noah's Ark, and was able to introduce people to the centre who were in the same situation as I was.

In July 2019 I was interviewed on BBC Radio 4 and told the whole of the United Kingdom my story! Since I did the DRO in February 2019 I've managed to stay completely debt free and I've never missed a payment on any of my bills, I've finally started to save and I'm thinking towards the future and one day buying my own home. I finally bought myself a car a couple of months ago.

There are people out there who can help you. Noah's Ark have experienced people who can guide you through the challenges that you face. And I know, as I am Kelly, now one of the qualified debt advisors at Noah's Ark and every day I take pride in knowing that I can do for others what Noah's Ark did for me."

The number one piece of advice I can give you is -

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