Disabled family avoid bankruptcy

Every member in my family of 5 is disabled. These comes with significant costs, such as taxis, having to order food in, disability aids and repairing damage from my son's explosive meltdowns. 

I am in debt to the bank for £3k, an overdraft from when I was student. It has reached the point where they wouldn't issue me a new bank card when my went missing due to how much debt I'm in, how high my outgoings necessarily are, and how little money I have coming in.

For the past 7 weeks I have had to PayPal money into my 16 year old son's account whenever I've needed to buy food. 

I am trying to run a small business, despite being bedridden, but this has taken a massive impact since the pandemic began and I'm barely making enough money to survive. 

If I end up having to go bankrupt, it will severely impact the future of my business. Furthermore, bankruptcy forms do not allow for the sort of outgoings that a disabled family accrue, despite taking into account the money you receive towards those needs. Therefore, it is necessarily discriminatory against disabled people. 

I don't know what to do to help us survive as a disabled family anymore. My husband, who is also disabled, has his job at great risk, and regularly has to take time off due to his illnesses and having to care for me as I regularly experience status epilepticus (a dangerous form of seizure). We were both unwell for 2 months with covid 19 and then became unwell with a bad flu which has left my husband, who has respiratory problems, extremely unwell. Both of us are also still struggling with the ongoing after effects of covid. 

If I can pay off this overdraft it would ensure that I am not cut off from the bank anymore and ensure that we can access money for shopping for essentials. 

Many thanks for taking your time to read.

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Organizer

Lucy Pygafacies 
Organizer
Fareham, South East England, United Kingdom
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