Depression, anxiety and panic attacks: Charity highlights the effects of debt.

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The loan charity says it has seen more clients suffer from depression, anxiety and panic attacks.

Christian Against Poverty (CAP) also said that there has been an increase in the number of customers offering or sacrificing food, as well as the number of people unable to afford basic toilet facilities. ۔

The charity said it had seen a 40 per cent increase in calls to its UK helpline in the first five months of 2022 compared to last year.

“Undoubtedly, money affects mental health, and mental health affects income,” the report said.

The charity also found that there is a difference of about £ 4,000 between its average client’s debt when it is at its peak and the average annual income available to them – making it very difficult to get out of debt without getting free help. ۔

Of course, money affects mental health, and mental health affects income.

The charity warns that there are signs that people are falling into huge debt arrears to meet their basic needs, which can lead to serious consequences, such as fines or evictions if not dealt with. Is.

The average peak debt for a CAP client is £ 17,306, while their average income after housing expenses is £ 13,404 – a difference of £ 3,902.

The average amount owed on preferential loans has also increased from £ 5,852 to, 6,698.

Preferential loans often cover basic living expenses such as rent and council taxes.

The CAP said they could lead to more serious consequences, such as court fines, evictions or even imprisonment in some cases if they are not dealt with.

The report also highlights the effects of debt on family relationships.

Two-thirds (67%) of CAP clients said their children were affected in some way by the debt crisis.

Nearly half (48%) said it affected their children’s emotional health or mental health, 13% said it affected their performance at school and 6% said it affected their physical health. Health is affected.

CAP client Syd said after receiving free loan assistance: “It has made such a difference. If I had continued as before, I probably wouldn’t be here now. I couldn’t see a way out.” These people will not judge you, they are only there to help you.

With incomes so low and expenses rising so fast, it seems impossible for many families to stay out of debt and things seem to be getting harder this winter.

Gareth McNab, CAP director of foreign affairs, said: “The reality is that many low-income families do not have enough money to run their own house, buy necessities, and Take care of your stomach. Children. “

He added: “We encourage everyone who is struggling to get free loan assistance because we know that income is very low and with increasing costs, for many families. It is becoming impossible to get out of debt and things seem to be going well. It’s going to be more difficult this winter. “

The UK government has recently announced a package of comprehensive and targeted cost-of-living support measures.

People will start seeing cost payments in their bank accounts on July 14.

From this date, the first installment of 6 326 will begin to be paid to low-income households on benefits. The second part of the £ 650 unilateral payment will be in the fall.

Households will receive a 400 discount on energy bills and pensioners will receive £ 300 in November / December along with winter fuel, while those with disability benefits will receive تک 150 by September. Will be paid

Mr McNab added: “The Chancellor’s recent announcement of support, which means the most vulnerable and low-income families will receive 1,200, was significant, direct and targeted, and the report shows that How desperately he needed it.

“However, we are working with people who have been struggling for months and have already found themselves far more in debt than the cost and the offer of aid.”

“A lot of people are still suffering in the coming months, prices are still rising fast and sadly this crisis is far from over,” he said.