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WELCOME to 5 Quid for Life: A Mental Health Safety Net
5 Quid for Life is a small charitable trust which provides crisis financial support to people with mental health problems who have lost their benefits as a result of the UK government's welfare reforms.
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Finance Update, with thanks to all our supporters

THREE WEEKS ON from last month’s announcement about our financial situation, I’m very pleased to report that thanks to the generosity of our supporters we have been able to continue issuing grants and we expect to able to keep that going for at least the next few weeks. In the longer term, however, we need more regular donations if we are to meet the ongoing demand. Here’s a summary of the current situation taken from February’s bank statement:

Opening balance 27/1/2017: £3,774.72
PayPal verification deposit: £0.01
Donations: £1,035.00
12 grants issued: (£2,285.00)
Transfer from Reserve a/c: £1,000.00
Closing balance 27/2/2017: £3,524.73

We have also issued 5 x £50 (total £250.00) grants via PayPal, where we hold a small separate fund for emergency payments. Cheques for a further 10 grants totaling £1,500.00 have yet to clear, leaving us with an interim bank balance of £2,024.73. That’s enough for another 5 full grants of £200 followed by 10 reduced grants of £100.

Whether you support us by one-off donations, PayPal recurring payments or by standing order, on behalf of those we help, we’d like to offer you a huge and heartfelt thank you. Every contribution counts as we pick up the pieces in the trail of destruction left by the DWP’s appalling disregard of the debilitating effects of mental ill-health.

Lest any should doubt the damage being done by the DWP to vulnerable people, I simply point you to a recent report from the Disability News Service: Maximus ‘admits’ using brutal and dangerous suicide questions. Be warned, it makes grim reading: if you are feeling vulnerable yourself, you would be well advised to steer clear.

Finally, for now: if you’re already supporting us, thank you once again; if you’re not and would like to do so, please see the sidebar or visit our Donations page for details of how to give.

Contact Us | Eligibility

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What we do and why: a snapshot summary

We collect money and give it away. Why? Because vulnerable people are being driven to a cliff edge by benefit sanctions and flawed Work Capability Assessments.

We’re a mental health safety net, picking up the pieces in the trail of destruction left by the DWP.

Here’s the longer version: 5quidforlife.org.uk/about/

5 Quid for Life: A Snapshot Summary

5 Quid for Life: A Snapshot Summary

Cross-posted from our facebook page: please join us there for more updates

What happens if I apply for help when funds are low?

IF YOU APPLY FOR HELP when funds are low we will always do our best to help you from the funds we have available. If we reach the point where we have no funds left, we will add you to a waiting list then contact you when we do have funds available.

When we set up 5 Quid for Life we deliberately set aside £1,000 in a reserve fund. When we dip into that reserve fund we will automatically reduce our maximum grant from £200 to £100 to ensure that we can help as many people as possible.

We currently expect to start using our reserve fund within the next couple of weeks, if not sooner.

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How you can help

If you can, please give; if you can’t give, please share. Here’s a reminder of our backstory, as published in One in Four magazine back in 2011: please feel free to share it. Fivers may have changed since then but we still need them — and every one that you give to us, we give to someone else who needs it. Thank you.

Can you spare five quid? The story of 5 Quid for Life featured in 'One in Four' magazine (Spring 2011)

Can you spare five quid? The story of 5 Quid for Life featured in ‘One in Four’ magazine (Spring 2011)

IMPORTANT FINANCE UPDATE: Funds running critically low (and a reminder of why we’re here)

AS OF MID-FEBRUARY 2017 our funds are running critically low.

By the end of the month it is likely that we will have to reduce our maximum grants from £200 to £100, restricted to no more than two grants per month.

If you can help by making a one-off donation or by becoming a regular supporter, please do so. Please use either the donate button below or visit PayPal.me/5QuidForLife if you would like to donate via PayPal:

Donate with PayPal

Please use the following details if you would like to set up a standing order:

Account Name: 5 Quid for Life
Bank: HSBC Woodbridge
Sort Code: 40 47 42
Account No: 2146 8928

Our International Bank Account Number (IBAN) may be found on our Donate page.

Thank you.

What’s happened?

In January this year we registered 5 Quid for Life with Turn2us, a national charity that helps people in financial hardship to gain access to welfare benefits, charitable grants and support services. Since then we have been fielding 20 or more enquiries per week, of which around 1 in 4 are leading to grants being made.

In January we issued grants that totaled £1,600.00 (8 beneficiaries). This month we have issued grants totaling £1,535.00 (8 beneficiaries) and we have a number of applications for help in progress. We have been able to issue these grants thanks to reserves accumulated over several years, but those reserves are now rapidly diminishing.

Our regular income from a small group of dedicated supporters now stands at £120.00 per month: the current level of grants being awarded simply cannot be sustained unless we see a substantial increase in support.

If you can’t help directly yourself, please spread the word via social media or simply by telling a friend. The demand is relentless and the need is raw as vulnerable people find themselves stripped of support by the DWP’s harsh and heartless sanctions regime.

Thank you.

A Reminder of Why We’re Here…

We’re here to save lives, lives that have been put at risk by the DWP’s ongoing failure to acknowledge the debilitating effect of mental health difficulties. All around the UK, vulnerable people with serious mental health problems are struggling to make ends meet—to put food on the table, to afford heat and lighting, to pay their rent, to keep a roof over their heads—because the DWP is imposing benefits sanctions despite clear medical evidence that shows these people would not be capable of holding down a job.

This withdrawal of support by the DWP drives people into even deeper despair: rather than incentivising them to find work, it renders them even less capable of work. Yet the DWP keep on applying their punitive sanctions, preferring to believe their own Work Capability Assessments rather than the evidence provided by GPs and mental health caseworkers who know their patients.

Here at 5 Quid for Life we hold copies of this correspondence: on the one hand, GP’s letters explaining people’s mental health difficulties, and on the other, DWP communications telling these self-same people that they “do not have a Limited Capability for Work” and are therefore no longer entitled to benefits.

Once again, then: please help, in whatever way you can, by giving, by sharing, by writing to your MP or direct to the DWP—but please, whatever else you do, do not walk by on the other side.

Thank you.

Your Help Needed: Our busiest month ever proves I was wrong, @DWP are not listening…

MENTAL HEALTH PROBLEMS ARE DEBILITATING.

That’s a statement of the obvious if ever there was one, but it’s something that the DWP and their Work Capability Assessment (WCA) staff seem to be either unwilling or unable to grasp, so I’ll say it again, louder:

MENTAL HEALTH PROBLEMS ARE DEBILITATING

They undermine self-confidence and self-esteem, they knock the ability to process information, to relate to other people, they leave people disoriented, sap the will to live, make them want to curl up and die: to get to the point, dear DWP people, mental health problems affect the ability to work. Then when you at the DWP respond to a mentally ill person who hasn’t attended a WCA meeting—or has otherwise tripped up on your point-scoring system—by simply issuing a form letter telling them their benefits have been stopped, that knocks them even further into an even darker place.

@DWP tweeting about helping people

@DWP: “How can we work together to help more people with mental health issues into employment?”

You tweet about supporting people into work but what you do is withdraw support from people who are not fit for work: it is—and I say this with the utmost care—no exaggeration to say that you at the DWP have blood on your hands. You drive people to the edge and over the edge using cold, hunger and despair as weapons, then you wash your hands of them ready to process your next victim. You send letters from hell: “We support your application for heaven but we’ve removed the stairway and taken out the lift for good measure.”

Why, you may ask, such a drastic change of tone after my last post? Why this harsh assessment, these angry words? Simply this: the last fortnight has been our busiest ever period at 5 Quid for Life. We’re now dealing with around 20 enquiries per week, of which about 1 in 4 are leading to us issuing grants. It’s a development that’s taken us by surprise, but it’s one that’s long overdue.

If you follow us on facebook or twitter then you’ll know that we’ve been concerned for some time that we haven’t been reaching the people who need our help. Now, thanks to Turn2us, we are; and every enquiry we field is a tale of personal tragedy from someone who has been kicked when they’re down by the DWP. They’re people who have had the rug pulled from under their feet and been left floundering as their very means of survival have been taken away by sanctions or reassessments of their eligibility for benefits.

Consider Nicky, for instance. That’s not her real name, of course, and the story that we present here has been compiled using details from several different cases to ensure that no specific individual can be identified:

Nicky lives alone and struggles with depression and anxiety to the point where she can’t face going outside, where she can’t cope with meeting other people. She can’t concentrate, can’t think straight, loses track of the days. Her GP has given her a ‘Fit Note’ (there’s a misnomer if ever there was one!) to say she’s not fit for work due to her mental health problems. But the DWP called her in for a Work Capability Assessment regardless, and when she didn’t turn up for it, they stopped her benefits. Suddenly she’s left with no money to pay her rent, to buy food, to heat her flat. No discussion, just a form letter saying that because she didn’t attend her WCA, she’s no longer entitled to benefits—but she can appeal, which may take six weeks or longer to process…

Thankfully, Nicky discovered Turn2us, they referred her to us and we sent her £200 to help tide her over. But the harsh reality is that our £200 isn’t going to last long; and in the meantime, here at 5 Quid for Life we’re running out of money.

Here’s the current situation:

Current a/c balance at 27/01/2017: £3,774.72
Reserve a/c balance at 27/11/2016: £1,003.26
Total: £4,777.98
Income: £95.00 p/m from 15 regular supporters
Cheques issued in January, not yet cleared: £1,400 (7 beneficiaries)
Applications in progress: £1,200 (6 beneficiaries)
Balance remaining, inc. reserve: £2,177.98
Projection: at the current rate we will exhaust available funds, including reserves, within the next 2 to 3 weeks…

Dates are for the latest bank statements, current a/c issued monthly, reserve a/c issued quarterly. Zero interest on current a/c, £0.03 p/m on reserve a/c.

During the time it’s taken me to finalise this post, another four requests for help have come in. The demand is relentless and the need is raw as vulnerable people find themselves stripped of support.

If you’re already one of our supporters, thank you: without your support we wouldn’t be able to help any of these people. If you’re not a supporter, please consider joining us, either by donating through PayPal, through online banking (or a branch visit if you’d like to pay in cash or cheques) or by setting up a standing order direct to our bank account:

Donate with PayPal
Account Name: 5 Quid for Life
Bank: HSBC Woodbridge
Sort Code: 40 47 42
Account No: 2146 8928

I’d also like to say thank you to:

My friends and colleagues on the 5 Quid for Life Committee, who have rallied round to help meet the new level of demand. You all have busy lives but haven’t hesitated to take the time needed to review and respond to applications for help and to bounce ideas around as we try to forge our way ahead. People, you rock and I’m immensely proud of you all: it’s a privilege to work with you.

My friends and colleagues at DLT Books, for your support, encouragement and understanding when I’ve had to focus on 5 Quid for Life when I really ought to be working on DLT promotions and publicity. You are stars, each and every one of you: long may your light continue to shine.

Finally for now, some good news: as a special thank you to all our followers, friends and supporters, DLT Books are offering 50% off their entire Mental Health range. Please see this post for details: A Special Offer from @dlt_books for @5QuidForLife friends and supporters

A Special Offer from @dlt_books for @5QuidForLife friends and supporters

Pick Me Ups from DLT Books

Today I’d like to say a huge thank you to all of our friends and supporters: I’ve said it before but it bears repeating, without your support we wouldn’t be able to help the people we do, people who have been left high and dry by the DWP’s ideologically driven determination to force even the least capable into work.

The flood of enquiries since we registered with Turn2us has brought home to me more powerfully than ever the draconian and heavy handed way in which the DWP uses its Work Capability Assessments: it is a truly dehumanising and demoralising system which treats vulnerable people as nothing more than expendable pawns in an economic game.

But right now, I’d like to give something back to you, our friends and supporters: DLT Books (a small Christian publisher with whom I work part-time on a freelance basis) have kindly agreed that I can offer you their entire Mental Health range—including the rather superb ‘Pick Me Up‘ series, pictured—at half-price.

The offer’s available for the whole of this month, February 2017: just use the discount code 5Q50 for 50% off in the online shopping basket.

Thank you all and thank you DLT Books.

Could it be that somebody @DWP is listening at last?

@DWP tweeting about helping people

IT’S EASY TO BE CYNICAL. My first response when I saw this tweet from DWP was to scream outrage at their blatant hypocrisy. After all, we’ve just read Bessie’s story courtesy of Frances Ryan in the Guardian, and last week 5 Quid for Life issued another two cheques to people who have had their benefits axed by the DWP despite medical evidence declaring them unfit for work.

There’s no two ways about it: the way the DWP treats people with mental health difficulties is outrageous, pulling the rug from under their feet when they’re at their most vulnerable — this is not the way a civilised society should be treating its weakest members.

But then I thought again: is this tweet hypocrisy or is it a sign that somebody at the DWP is in fact listening? I know from my own experience of claiming benefits during a three month spell of unemployment earlier this year that not everyone who works for the DWP is a heartless bean-counting bureaucrat: some of them really do want to help. They too have families and—just as easily as anyone else—they too could find themselves on the other side of their desks, demoralised, out of work and claiming benefits.

It’s a nightmare situation that none of us want to face, and it’s an even worse nightmare when your mind is skewered by anxiety, depression, self-doubt or other mental health disorders. What you need in that situation isn’t threats and sanctions, driving you deeper into despair: you need encouragement and support with clear lines of communication, someone you can turn to for help.

So that’s my answer to the DWP’s question: if you’re serious about working together to help people with mental health issues into employment, drop the bullying tactics. Put down the stick, bring on the carrot. Make time to work with people, to understand their difficulties, and provide the support they need.

Believe people. Listen. If someone doesn’t turn up for an appointment or doesn’t attend an interview, find out why. Don’t just turn to your computer screen and hit that button which churns out those impersonal letters you’re so fond of to tell someone their benefits are being stopped. Stop. Think. Make it personal: put yourself in their shoes. Write, phone or email: do all three if you have to. No reply? Get out from behind your desk, put your coat on and go pay a home visit. Think. Think again. Take a bunch of flowers or a food parcel if that’s what’s needed: show them you’re a friend, out to support them, not an enemy out to bring them down.

Yes, you’ll need safeguarding procedures in place, but that’s all part of what supporting people is about; and that, dear DWP people, is your bottom line: support. Not the budget. Not the economy. Support.

And yes, I know this is a sea change I’m calling for. But it’s the change you need to make, to turn the tide. You say you want to help people into employment: then restore their dignity instead of sweeping it away. Show people respect to help them regain their self-respect. Show people they’re worth something to society and they’ll want to contribute to that society; show them they’re worthless and all they’ll want to do is hide or die. In  a simple sentence that I hope you’ll recognise, treat others the way you’d like them to treat you.

There are no guarantees, of course, and this isn’t the full story. Mental health difficulties can’t simply be overcome by positive thinking and cheering people on: the support needs to be ongoing and personal, in the workplace as well as on the way there. You’ll need to put comprehensive support structures in place for employers too. But make this your starting point and we’re in with a chance.

In the meantime, we’re still here at 5 Quid for Life to pick up the pieces when you get it wrong; but I’d much rather you made us unnecessary.


 

That’s my answer to the DWP’s question: what’s yours? Leave us a comment — and don’t forget to click through the link in their tweet to have your say in the consultation:

End of Year Report: thank you for your support

AS ANOTHER YEAR draws towards its end, I’d like to say a HUGE thank you to all of our supporters, to those who give so generously and to those who help spread the word that we’re here. As posted on our facebook page on Friday morning, we’re having a very busy time with enquiries at the moment, so please forgive me (Phil) if I’m less active in other areas and groups in the run up to Christmas — I’m making our response to these enquiries my number one priority at the moment.

I’d also like to say an equally huge thank you to my colleagues and friends on the 5 Quid for Life Committee who work so diligently behind the scenes: without their encouragement and support, none of what we do would be possible.

FINANCIAL STATEMENT

I’m pleased to able to report that we remain in a good financial position, with a steady income typically around £85.00 per month and a current balance of £4,332.36 available for those who meet our eligibility criteria, namely any UK resident with mental health difficulties whose benefits have been cut or lost in the government’s ongoing welfare reforms. We’ve now given away a total of £1,600 as per the following summary:

Donated Nov 2015: £85.00
Total Donated: £5932.36*
Given away: £1600.00
Balance: £4332.36

* Total includes interest paid on our community savings account, typically 5p per month

PLEASE KEEP SHARING

We’d love to give more of this away so please continue to share the news that we’re here to help, so that the people who need our support can find us. We don’t have an advertising or marketing budget because we believe that the money we’re given should go the people who need it, but this does mean that we depend entirely upon you, our supporters, to spread the word.

Is this something we should reconsider? If you’re one of our financial supporters and you’d like us to allocate a proportion of what you give to advertising, please let us know, either by a comment here or via our Contact Us page. Are there other ways to improve our publicity? Please shout if you have any ideas.

APPLYING FOR HELP

If you’d like to apply for our help, please contact us with a brief description of your situation. You’ll need to be ready to provide evidence of your mental health and benefits situation, which can be in the form of copied or photographed correspondence from your GP (or another mental health professional) and from the DWP (such as a letter from your local benefits or job centre). If necessary we can provide you with a letter template for your GP or MH Professional authorising them to release information to us.

Once you’ve confirmed that this evidence is available, we will invite you to complete our official Application for Help form online and come back to you as soon as possible after that with a decision and — if the decision is favourable — a cheque in the post will follow.

Finally for now, on behalf of the entire 5 Quid for Life team, I take this opportunity to wish everyone reading the best possible Christmas and New Year under whatever circumstances you face.

Phil Groom
Founder and Acting Finance Officer

Contact Us | Donate | Posters and Flyers

A significant milestone: £1,000 given away

A significant milestone: £1,000 given away

A significant milestone: £1,000 given away

AS POSTED on our facebook page this morning:

This week @5QuidForLife we passed a significant milestone: we’ve now given away £1,000. That’s 5 people who have fallen through the benefits system, through what’s supposed to be a safety net for all of us but which — courtesy of the present government’s welfare reforms — is no longer fit for purpose. Fortunately for those five people, we were there, a mental health safety net underneath the benefits system.

That, dear friends, is thanks to you, our supporters: you’re the people who have made this possible and I salute you from the bottom of my heart. By supporting 5 Quid for Life — whether that’s by giving or by sharing — you’re making a real difference to people’s lives, helping to pick up the pieces after the system drops them. THANK YOU SO MUCH on behalf of the people we’ve helped. Those words feel completely inadequate to express the way I feel about what you have made possible, and the way I know, from the messages we receive, the people we’ve helped feel — so I’ll repeat them: THANK YOU SO MUCH.

Please continue to give if you can and please continue to share: too many people who need our help simply don’t know we’re here. You can change that by sharing, here on facebook, via twitter and even offline too with our poster and flyer: why not print one out today and see if your local library will display it? Or maybe your GP in their waiting room? Anywhere and everywhere — that café on the high street you love to go to? Here’s the link: Share the love with our brand new @5QuidForLife flyer and poster!

Thank you – Phil x

Where we are — and a shout out to @CharitySANE @MindCharity and @Rethink_ #MentalHealthSafetyNet

Boudicca Rising, our Project Manager, writes:

When I drafted this blog, one of our members said “good stuff, albeit grim. However, it’s where we are”. No truer words and all that.

After a brief hiatus in which nothing much seemed to happen, we have had a small flurry of requests for urgent help from people who are desperate to survive in the current climate of benefit sanctions and hysteria around benefit claimants.

Just imagine if you can, being ill. Imagine being in a cold flat or house, with no money for heating. Or food.

Imagine having a baby and having to choose whether the baby ate, or was warm.

Vox Political: Work capability assessor asked why depressed claimant had not committed suicide

Vox Political: Work capability assessor asked why depressed claimant had not committed suicide

Imagine having to sit through an assessment where an ATOS advisor asks you why you hadn’t killed yourself: Work capability assessor asked why depressed claimant had not committed suicide.

… the assessors’ attitude seemed to be that she couldn’t be depressed if she had not already killed herself.

Imagine if you can, the sheer desperation Jacqueline Harris, a former nurse, must have felt – visually impaired and suffering back pain so excruciating, she was waiting for an operation – when her assessment took place.

The only question asked of her during a two minute assessment was whether she could catch a bus.

Jacqueline did kill herself, after a career spent caring for the sick. Half-blind UK widow commits suicide after incapacity benefit cut.

Jacqueline is not the only one who has reached the limits of what she could bear and sadly, we don’t think she will be the last.

According to this article in The Independent Atos told incontinent woman to ‘wear nappy’: Firm condemned by MPs for pressuring sick and disabled into returning to work:

  • 1,300 people have died after being prepared to return to work
  • 2,200 people died before the assessment process was completed

However, there are no “official” figures. From that article:

Kevan Jones, a former Labour minister, said suicides of claimants who were found fit to work by Atos had been reported. “There are… a number of well-publicised cases where people have taken their own lives because of this system,” he said. “It is not too strong to say that this Coalition Government has blood on their hands for the deaths of those individuals.”

Tim Salter’s death was equally tragic and again directly linked to cuts made to his benefits when he was assessed by someone not capable of understanding his disabilities, Benefit cuts blind man committed suicide after Atos ruled him fit to work:

A coroner ruled the Government’s decision to axe Tim’s meagre incapacity benefit contributed to his death.

In closing here are some more eye witness accounts of deaths, shaming and humiliations carried out with our tax money on the very people the benefits system is designed to support and help, taken from Benefit Tales » Category Archives » suicide:

Benefits assessment led to woman’s suicide says watchdog:

“This lady had a lot to look forward to,” said the chief executive of the MWC, Dr Donald Lyons. “She was getting married. She was being treated. She was undertaking voluntary work. She had a good social network. There wasn’t anything else which we could identify that would lead us to believe that there was any other factor in her life that resulted in her decision to end her life.”

Grandad shoots himself after finding out his benefits were being stopped:

Edward Jacques, 47, of Sneinton, Nottingham, took a fatal overdose after his benefit payments were stopped.
Jobless Richard Sanderson, 44, of Southfields, south-west London, stabbed himself in the heart.
Unemployed electrician Lee Robinson, 39, of Crawley, Sussex, also took his own life.

We have deliberately quoted from a variety of media sources from as many sides of the political spectrum as possible to show that these are not mere blips in statistics, not drops in the ocean.

These are people, people with lives and loves just like you.

The only difference is that they had the bad, bad luck of becoming ill or disabled in modern Britain where they were treated with disdain, disbelief and derogation.

Over the past few months we have been able to help a mere handful of people who are too ill to work, whose benefits have been partially or wholly removed.

Currently, we are reviewing whether we are able to help a man who needs financial assistance to buy clothes for job interviews after a period of time out of work due to mental ill-health. Whilst this request falls outside the strict letter of our criteria, we feel his circumstances may be such that our assistance may be justified to prevent his situation moving from the precarious into a crisis and therefore falls within the spirit of what we are trying to do here – save lives.

We are aware that there are many more whom we can help and we sit on the sidelines sometimes, in tears, when we hear of yet another precious life lost.

Please help us get the word out – we are here to provide crisis help and we are currently able to do so (see our criteria for financial crisis support here: Eligibility Criteria ).

Please help us get word to those who need us most: in particular, we’d like to shout out to SANE, Mind and Rethink — please, please let your clients know we’re here, that financial support is available if they’re in a crisis due to benefit cuts and sanctions. Let’s have an end to suicides because people think no help is available when it is if only someone told them!

To those who are already supporting us, a huge thank you: we wouldn’t be here without you; and if you’re not a supporter, please support us if you can: your contribution of five quid a month will help us save lives.

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