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calendar24 June 2021

Author: hayleytearall

Debt and alcohol: a second chance

At Christians Against Poverty, our local-church-based centres empower over 2,000 people to get out of debt every year.

Behind every number is a real person with a real story of hope and transformation. Peter is one of those people. Struggling with debt and alcohol, Peter felt hopeless and stuck in a rut.

But with Allan and Duncan (from his local CAP Debt Centre in Inverness) and Josh (CAP head office) supporting him throughout his journey, he found that debt and alcohol began to loosen their grip.

Peter is hugely grateful for all the practical help Allan provided as he navigated the struggles that debt and alcohol brought. He particularly appreciated how Allan provided a couch and kitchen appliances when he moved into his new flat.

This is Peter’s story.

Debt and alcohol: Peter's story

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Hi, I’m Peter. I’m 45 years old and I have just been given my bankruptcy letter of discharge after 1 year. This has been a huge weight off my shoulders and my life has been given a much needed boost in the right direction.

I now have my own flat, with my 2 girls staying over regularly. I've had great support from family and friends, but I'm writing this to give special thanks to the good people at CAP. And especially to Allan Dunbar, Duncan Dundas and Joshua, (whom I never met but shared emails). Here is my story.

Around 2018-19 I was living the dream. A good relationship with my partner, (although cracks were starting to appear), a successful high paying career, and I was living well beyond my means. I would take lots of holidays, a flash car, but my main problem, (which would lead to me losing everything), was alcohol. My partner warned me I was getting worse and my denial of the problem led to us separating.

It didn't end there. I was getting into more rows with my boss, hot-headed as usual, and when I hit a run of bad luck with a train breakdown, I was sacked by my boss for missing a flight check-in.

I didn't appeal. I was already in a rut and I felt hopeless. I had no fixed address, (except postal), and I ended up in a temporary refuge, (with a few other ‘interesting’ people). I was still drinking. My now apparent financial problems were clear to see, though I still didn't know what to do.

Then my work coach Morna at Universal Credit gave me a leaflet for Christians Against Poverty. I'd never heard of them, but after some dithering, I came into contact with Allan. I didn't know what to expect because I didn't see how he could help.

Through my time with Allan, and being guided and encouraged, I found it easier to talk to him and I opened up more. I felt the same after being introduced to Duncan, (who I keep in contact with often), and they helped me focus and to help myself and keep myself busy. After 6 months in contact with them, I found myself working hard at staying sober, I slowly became more responsible. It was easy to hide the alcohol side of my life before to family and friends, but I since realised this was due to being in denial and ashamed to admit to them I had a problem.

That's why I felt more comfortable talking with Allan and Duncan. What I find remarkable is I went to CAP for financial help and I received help that I didn't have the strength in me to ask for. They say it's easier talking to a stranger about your problems. Well the people at CAP made me realise I had 1 problem, alcohol, and everything else came from that. And CAP, Allan and Duncan didn't even mention alcohol, just their time spent helping me and supporting me led me to draw my own conclusions. I do struggle with faith but I have to admit I have been given a second chance, and I want to sincerely thank all involved at CAP and for the wonderful work you do.

Get free local debt help today

Whether your story, like Peter’s, involves debt and alcohol, or your own debt story looks different, you could start your journey out of debt today.

Call our Freephone helpline (0800 328 0006) or find out more about how we can help you.

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