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After being diagnosed with terminal cancer, Ben tried to clear his debts. He cashed in his pension to obtain a lump sum. But when Ben received a letter from HMRC he was devastated to read that he owed them £54,000.
Joan was recently widowed. Without her husband’s pension, she was struggling, trying to manage on a lower income than she was used to.
Sophie was suffering from severe depression and numerous other health conditions. This stemmed from a series of related misfortunes: an eviction, the loss of her business, the loss of all her records and bank statements, and a broken relationship.
